Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey,
2014
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
Traditional
Exclusive
provider
organization1
Preferred
provider
organization2
Point of
service plan3
Not
determinable
Worker characteristics
All workers ...............................................................
81
2
6
69
4
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
79
80
78
63
84
87
83
83
2
–
2
–
–
–
–
–
6
5
7
9
6
5
6
6
65
70
62
47
75
78
73
73
6
–
8
7
2
–
2
–
–
–
–
–
–
–
–
–
85
82
88
89
86
–
–
–
–
–
–
8
6
5
7
76
71
79
83
75
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
81
77
2
–
6
9
70
58
3
6
–
–
Union .......................................................................
Nonunion .................................................................
77
81
–
1
6
6
61
70
6
3
–
–
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
79
82
80
81
81
–
1
–
3
3
9
5
7
6
6
66
73
69
68
70
–
3
3
5
3
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
85
81
85
–
–
–
4
6
4
78
70
80
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
80
89
89
80
86
2
–
–
–
–
7
7
6
4
3
66
79
79
72
80
4
–
–
–
2
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2014—continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Worker characteristics
All workers ...............................................................
19
15
5
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
21
20
22
37
16
13
17
17
16
16
15
29
12
9
14
13
6
4
7
–
3
–
3
4
–
–
–
–
–
–
–
–
15
18
12
11
14
11
13
10
9
11
–
–
2
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
19
23
14
19
5
–
–
–
Union .......................................................................
Nonunion .................................................................
23
19
18
14
–
4
–
–
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
21
18
20
19
19
17
14
15
15
15
–
4
5
4
4
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
15
19
15
13
16
12
2
–
2
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
20
11
11
20
14
15
9
10
16
11
5
2
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey,
2014—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
Traditional
Exclusive
provider
organization1
Preferred
provider
organization2
Point of
service plan3
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
87
81
79
78
72
71
74
72
–
–
–
–
–
–
–
–
–
5
5
6
9
–
–
–
80
74
69
64
51
48
53
51
–
–
–
–
12
4
8
14
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
76
74
81
84
84
84
–
–
–
2
2
–
5
5
6
7
7
7
68
67
73
70
71
68
–
–
–
5
4
8
–
–
–
–
–
–
79
74
80
86
81
–
90
90
90
65
68
63
–
–
–
1
–
–
–
–
–
–
–
–
8
9
8
8
8
–
4
4
–
5
6
–
61
54
63
73
70
78
81
81
81
57
59
56
6
–
5
3
–
–
3
3
–
2
–
2
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2014—continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
13
19
21
22
28
29
26
28
11
14
14
16
22
15
16
23
–
–
–
–
6
14
10
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
24
26
19
16
16
16
19
21
14
11
12
11
5
5
–
4
4
5
–
–
–
–
–
–
21
26
20
14
19
–
10
10
10
35
32
37
14
–
12
9
12
–
7
7
–
32
–
34
7
–
8
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
This type of plan obligates employees to use only the plan’s providers in order to receive coverage.
This type of plan provides coverage through a network of participating health care providers. Enrollees may receive
services outside the network, but generally at a higher cost. The additional costs may be in the form of higher deductibles,
higher coinsurance rates, or both, or in the form of nondiscounted charges from providers.
3 This type of plan provides services through a network of participating health care providers. Services received within
the network or through select medical facilities generally provide more generous benefits than services received outside the
network.
4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation March 2014."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that
data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2014
Fee-for-service plan
Characteristics
Total
Traditional
Exclusive
provider
organization1
Preferred
provider
organization2
Point of
service plan3
Not
determinable
Worker characteristics
All workers ...............................................................
1.4
0.3
0.7
1.5
0.4
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.2
2.5
2.9
5.7
1.5
1.9
1.8
2.1
0.5
–
0.5
–
–
–
–
–
0.9
1.1
1.1
2.5
0.9
1.2
1.2
1.2
2.2
2.9
2.9
4.7
1.9
1.9
2.4
2.7
0.8
–
1.1
1.6
0.5
–
0.6
–
–
–
–
–
–
–
–
–
2.2
3.3
2.0
2.0
3.3
–
–
–
–
–
–
1.6
1.1
1.3
1.7
4.0
3.4
2.3
2.5
3.5
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.4
4.7
0.4
–
0.7
2.4
1.5
4.6
0.5
1.5
–
–
Union .......................................................................
Nonunion .................................................................
3.7
1.5
–
0.3
1.3
0.7
3.8
1.5
1.6
0.5
–
–
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5.2
2.4
2.0
1.7
2.1
–
0.2
–
0.5
0.7
2.6
0.8
0.9
0.8
1.1
4.7
2.3
2.2
1.9
2.5
–
0.5
0.7
0.6
0.7
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.6
2.6
2.3
–
–
–
0.7
1.7
1.0
1.7
3.5
2.3
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1.8
1.5
2.0
3.4
2.0
0.4
–
–
–
–
0.8
1.1
1.5
1.0
0.6
1.8
1.8
2.6
3.5
2.3
0.5
–
–
–
0.3
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry
workers, National Compensation Survey, 2014—continued
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Worker characteristics
All workers ...............................................................
1.4
1.2
0.6
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.2
2.5
2.9
5.7
1.5
1.9
1.8
2.1
1.8
2.1
2.6
5.8
1.4
1.3
1.8
1.9
1.2
1.0
1.7
–
0.7
–
0.8
1.1
–
–
–
–
–
–
–
–
2.2
3.3
2.0
2.0
3.3
1.8
2.9
1.9
2.0
3.2
–
–
0.6
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.4
4.7
1.3
3.2
0.6
–
–
–
Union .......................................................................
Nonunion .................................................................
3.7
1.5
3.3
1.3
–
0.6
–
–
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5.2
2.4
2.0
1.7
2.1
5.1
2.2
1.6
1.6
1.7
–
1.0
1.2
0.8
1.1
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.6
2.6
2.3
1.6
2.2
2.1
0.4
–
0.5
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1.8
1.5
2.0
3.4
2.0
1.6
1.4
2.2
3.2
1.4
0.8
0.6
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2014—continued
Fee-for-service plan
Characteristics
Total
Traditional
Exclusive
provider
organization1
Preferred
provider
organization2
Point of
service plan3
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.1
3.8
2.9
3.4
3.7
4.9
3.1
4.2
–
–
–
–
–
–
–
–
–
1.2
1.3
1.7
2.2
–
–
–
2.5
4.4
3.7
4.1
3.7
5.5
3.5
4.3
–
–
–
–
1.5
1.0
1.7
1.7
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.4
2.9
3.3
1.5
2.1
1.9
–
–
–
0.5
0.7
–
0.7
0.7
1.6
1.0
1.1
1.7
2.4
2.9
3.7
1.6
2.4
2.4
–
–
–
0.7
0.8
1.3
–
–
–
–
–
–
3.2
7.4
3.4
2.1
3.5
–
1.6
1.9
2.7
3.8
9.2
3.4
–
–
–
0.3
–
–
–
–
–
–
–
–
1.1
1.5
1.3
1.6
2.2
–
0.8
0.9
–
1.0
1.1
–
4.0
6.2
4.9
2.1
3.0
3.5
2.2
2.2
4.8
3.6
9.1
2.8
1.1
–
1.3
1.0
–
–
0.7
0.8
–
0.1
–
0.2
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry
workers, National Compensation Survey, 2014—continued
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.1
3.8
2.9
3.4
3.7
4.9
3.1
4.2
1.4
2.9
2.8
3.5
3.7
2.9
2.3
4.3
–
–
–
–
1.8
4.1
2.3
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.4
2.9
3.3
1.5
2.1
1.9
2.2
2.9
2.3
1.2
1.9
1.5
1.0
1.1
–
0.9
1.1
1.4
–
–
–
–
–
–
3.2
7.4
3.4
2.1
3.5
–
1.6
1.9
2.7
3.8
9.2
3.4
2.7
–
2.2
1.5
2.2
–
1.3
1.4
–
3.8
–
3.6
1.4
–
1.6
1.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
This type of plan obligates employees to use only the plan’s providers in order to receive coverage.
This type of plan provides coverage through a network of participating health care providers. Enrollees may receive
services outside the network, but generally at a higher cost. The additional costs may be in the form of higher deductibles,
higher coinsurance rates, or both, or in the form of nondiscounted charges from providers.
3 This type of plan provides services through a network of participating health care providers. Services received within
the network or through select medical facilities generally provide more generous benefits than services received outside the
network.
4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 2. Medical care benefits: Selected plan characteristics, private industry workers, National Compensation Survey, 2014
(All workers participating in medical care plans = 100 percent)
Allow non-emergency services outside
network
Plan network
Use a primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
98
2
–
77
23
–
24
74
1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
98
98
98
99
98
97
99
99
2
–
2
–
–
–
–
–
–
–
–
–
–
–
–
–
77
77
77
62
80
84
78
80
23
23
23
38
20
16
22
20
–
–
–
–
–
–
–
–
24
24
24
42
20
15
22
25
74
74
75
57
79
84
77
75
2
2
1
1
1
1
1
(1)
98
99
98
99
98
–
–
–
–
–
–
–
–
–
–
82
78
82
85
79
18
22
18
15
21
–
–
–
–
–
23
26
21
20
22
77
74
77
80
75
(1)
–
2
(1)
4
Full time ...................................................................
Part time ..................................................................
98
96
2
–
–
–
78
68
22
32
–
–
24
28
75
72
1
(1)
Union .......................................................................
Nonunion .................................................................
96
99
–
1
–
–
71
78
29
22
–
–
24
24
76
74
(1)
1
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
98
99
99
97
97
–
1
–
3
3
–
–
–
–
–
72
80
77
77
77
28
20
23
23
23
–
–
–
–
–
26
24
25
23
21
73
75
74
75
76
1
1
1
2
3
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
99
98
100
–
–
–
–
–
–
82
76
83
18
24
17
–
–
–
21
30
19
78
70
80
1
–
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
98
97
98
98
98
2
–
–
–
–
–
–
–
–
–
76
82
82
78
85
24
18
18
22
15
–
–
–
–
–
25
19
14
22
19
73
79
86
77
78
1
2
( )
2
2
Establishment characteristics
See footnotes at end of table.
1
Table 2. Medical care benefits: Selected plan characteristics, private industry workers, National Compensation Survey,
2014—continued
(All workers participating in medical care plans = 100 percent)
Allow non-emergency services outside
network
Plan network
Use a primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
97
100
97
95
99
99
99
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
85
81
78
74
69
67
71
70
15
19
22
26
31
33
29
30
–
–
–
–
–
–
–
–
14
32
20
19
36
40
38
36
84
67
78
78
62
59
60
63
2
2
2
3
1
1
2
1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
99
99
98
98
98
99
–
–
–
2
2
–
–
–
–
–
–
–
75
73
78
80
79
80
25
27
22
20
21
20
–
–
–
–
–
–
27
28
25
22
21
23
72
70
75
77
77
76
1
1
( )
2
2
1
96
100
95
99
99
99
98
99
97
99
100
99
–
–
–
1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
74
70
75
82
79
86
87
87
86
63
65
62
26
30
25
18
21
14
13
13
–
37
35
38
–
–
–
–
–
–
–
–
–
–
–
–
26
33
24
22
25
17
14
15
12
37
41
35
73
66
75
76
74
82
84
83
86
62
59
64
1
1
1
2
2
1
2
2
1
1
(1)
1
1
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 2. Standard errors for medical care benefits: Selected plan characteristics, private industry workers, National
Compensation Survey, 2014
Allow non-emergency services outside
network
Plan network
Use a primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
0.3
0.3
–
1.4
1.4
–
1.3
1.3
0.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.5
0.8
0.5
0.4
0.6
1.5
0.5
0.6
0.5
–
0.5
–
–
–
–
–
–
–
–
–
–
–
–
–
1.9
2.4
2.6
5.5
1.8
1.8
2.3
2.3
1.9
2.4
2.6
5.5
1.8
1.8
2.3
2.3
–
–
–
–
–
–
–
–
2.0
2.3
2.8
5.4
1.6
2.1
1.9
2.6
2.0
2.3
2.8
5.4
1.7
2.1
1.9
2.6
0.6
0.8
0.6
0.7
0.3
0.6
0.3
(1)
1.4
0.5
0.6
0.5
1.0
–
–
–
–
–
–
–
–
–
–
3.1
3.0
2.2
2.5
3.5
3.1
3.0
2.2
2.5
3.5
–
–
–
–
–
4.1
3.8
1.7
2.7
2.7
4.1
3.8
2.0
2.7
3.1
0.1
–
0.7
0.2
1.3
Full time ...................................................................
Part time ..................................................................
0.4
1.5
0.4
–
–
–
1.4
3.7
1.4
3.7
–
–
1.3
4.7
1.3
4.7
0.3
0.2
Union .......................................................................
Nonunion .................................................................
1.3
0.3
–
0.3
–
–
3.5
1.4
3.5
1.4
–
–
3.5
1.4
3.5
1.4
0.1
0.4
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.1
0.2
0.5
0.5
0.7
–
0.2
–
0.5
0.7
–
–
–
–
–
5.1
2.3
1.8
1.7
2.0
5.1
2.3
1.8
1.7
2.0
–
–
–
–
–
4.8
2.3
1.8
1.7
2.0
4.7
2.3
1.9
1.7
2.1
0.5
0.4
0.3
0.7
1.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.3
1.1
0.3
–
–
–
–
–
–
1.7
2.9
2.2
1.7
2.9
2.2
–
–
–
1.7
3.4
2.1
1.8
3.4
2.4
0.6
–
0.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
0.4
1.0
1.0
0.5
0.6
0.4
–
–
–
–
–
–
–
–
–
1.7
1.9
2.7
3.0
1.6
1.7
1.9
2.7
3.0
1.6
–
–
–
–
–
1.6
1.7
2.5
2.2
2.0
1.6
2.0
2.5
2.1
2.1
0.4
0.6
0.1
0.5
0.6
Establishment characteristics
See footnotes at end of table.
Table 2. Standard errors for medical care benefits: Selected plan characteristics, private industry workers, National
Compensation Survey, 2014—continued
Allow non-emergency services outside
network
Plan network
Use a primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.8
0.3
1.0
1.5
0.3
0.9
1.0
0.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.8
3.4
3.4
4.3
4.0
4.7
3.6
4.6
1.8
3.4
3.4
4.3
4.0
4.7
3.6
4.6
–
–
–
–
–
–
–
–
2.3
3.6
2.4
3.3
4.0
6.1
3.2
4.3
2.4
3.4
2.7
3.7
4.1
6.1
3.8
4.5
0.7
0.5
1.5
2.4
0.5
0.9
1.7
0.5
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.6
0.4
1.2
0.5
0.7
0.5
–
–
–
0.5
0.7
–
–
–
–
–
–
–
2.3
3.0
3.0
1.4
2.0
2.2
2.3
3.0
3.0
1.4
2.0
2.2
–
–
–
–
–
–
2.3
3.1
2.7
1.5
2.1
2.1
2.3
3.0
2.7
1.5
2.1
2.2
0.4
0.5
0.1
0.5
0.8
0.3
1.5
0.3
1.9
0.3
0.5
0.5
0.6
0.6
1.3
0.2
0.1
0.3
–
–
–
0.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.6
8.4
3.8
1.9
2.7
2.8
1.8
1.6
4.3
3.5
8.9
2.8
3.6
8.4
3.8
1.9
2.7
2.8
1.8
1.6
–
3.5
8.9
2.8
–
–
–
–
–
–
–
–
–
–
–
–
3.3
7.0
3.6
1.8
2.1
3.3
1.6
1.9
2.9
3.3
7.6
2.9
3.3
7.0
3.6
2.0
2.1
3.9
1.6
1.9
2.9
3.3
7.5
3.0
0.4
0.7
0.5
0.5
0.7
0.8
0.9
1.3
0.3
0.6
0.1
0.9
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Less than 0.05.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 3. Medical care benefits: High deductible and non-high
deductible health plans,1 private industry workers, National
Compensation Survey, 2014
(All workers participating in medical care plans = 100 percent)
Characteristics
High deductible
health plans
Non-high
deductible health
plans
Worker characteristics
All workers ...............................................................
33
67
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
28
29
28
29
43
45
42
28
71
70
72
71
57
55
57
72
17
35
32
39
24
83
65
68
61
76
Full time ...................................................................
Part time ..................................................................
33
29
67
71
Union .......................................................................
Nonunion .................................................................
8
37
92
63
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
40
39
32
27
27
60
60
68
72
72
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
34
28
39
65
72
61
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
32
36
46
39
41
67
64
54
60
58
Establishment characteristics
See footnotes at end of table.
Table 3. Medical care benefits: High deductible and non-high
deductible health plans,1 private industry workers, National
Compensation Survey, 2014—continued
(All workers participating in medical care plans = 100 percent)
Characteristics
High deductible
health plans
Non-high
deductible health
plans
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
43
41
34
28
27
13
14
29
57
59
66
72
73
87
86
71
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
39
38
40
28
32
23
61
62
60
71
68
76
24
34
21
35
31
41
42
42
42
27
24
29
76
66
78
65
69
59
58
58
58
72
76
71
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The sum of the columns may not equal 100 since only plans with fixed, variable, or no deductibles
are included. Plans with other deductible formulas are not included. A high deductible health plan (HDHP)
is a health plan which typically has a higher deductible and lower premium than a traditional health plan. An
individual plan must have a minimum deductible of $1,250 to be classified as a HDHP. Normally the plan
includes catastrophic coverage to protect against large medical expenses, but the insured is responsible
for routine out-of-pocket expenses.
2 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms"
at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 3. Standard errors for medical care benefits: High
deductible and non-high deductible health plans,1 private industry
workers, National Compensation Survey, 2014
Characteristics
High deductible
health plans
Non-high
deductible health
plans
Worker characteristics
All workers ...............................................................
1.0
1.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.8
2.3
2.5
4.4
1.5
3.3
2.1
2.8
1.8
2.3
2.5
4.4
1.5
3.3
2.1
2.8
3.5
3.7
2.3
3.5
2.7
3.5
3.7
2.3
3.5
2.7
Full time ...................................................................
Part time ..................................................................
1.1
2.9
1.1
3.0
Union .......................................................................
Nonunion .................................................................
1.4
1.1
1.4
1.1
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.4
2.0
1.6
1.8
2.7
4.4
2.0
1.6
1.8
2.8
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.0
3.9
2.7
1.9
3.9
2.6
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1.3
1.8
2.8
2.6
2.4
1.3
1.8
2.8
2.6
2.4
Establishment characteristics
See footnotes at end of table.
Table 3. Standard errors for medical care benefits: High
deductible and non-high deductible health plans,1 private industry
workers, National Compensation Survey, 2014—continued
Characteristics
High deductible
health plans
Non-high
deductible health
plans
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
3.2
4.1
2.9
4.2
3.1
2.7
2.4
3.6
3.2
4.1
2.9
4.2
3.1
2.7
2.4
3.6
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.8
2.2
2.9
1.4
2.1
1.9
1.8
2.2
2.9
1.4
2.1
1.9
3.1
9.6
2.7
1.5
2.3
2.4
1.9
2.1
3.8
2.3
4.8
2.3
3.0
9.6
2.7
1.5
2.3
2.4
1.9
2.1
3.8
2.3
4.8
2.4
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 A high deductible health plan (HDHP) is a health plan which typically has a higher deductible and
lower premium than a traditional health plan. An individual plan must have a minimum deductible of $1,250
to be classified as a HDHP. Normally the plan includes catastrophic coverage to protect against large
medical expenses, but the insured is responsible for routine out-of-pocket expenses.
2 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms"
at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 4. Non-high deductible health plans: Summary of selected
tax-favored accounts,1 private industry workers, National
Compensation Survey, 2014
(All workers participating in non-high deductible health plans = 100 percent)
Characteristics
Health
reimbursement
arrangement2
Flexible spending
account3
Worker characteristics
All workers ...............................................................
7
53
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
8
10
7
–
8
12
7
3
61
60
62
39
53
50
54
41
–
3
9
–
9
29
51
50
55
46
Full time ...................................................................
Part time ..................................................................
7
12
54
–
Union .......................................................................
Nonunion .................................................................
8
7
48
54
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
9
5
7
8
10
–
44
51
63
66
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
48
27
55
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
8
13
21
–
–
–
4
3
55
51
–
72
65
65
62
74
Establishment characteristics
See footnotes at end of table.
Table 4. Non-high deductible health plans: Summary of selected
tax-favored accounts,1 private industry workers, National
Compensation Survey, 2014—continued
(All workers participating in non-high deductible health plans = 100 percent)
Characteristics
Health
reimbursement
arrangement2
Flexible spending
account3
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Other services ......................................................
–
–
–
–
–
–
–
–
–
–
67
73
58
58
51
63
82
48
55
50
1 to 99 workers ........................................................
1 to 49 workers ....................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
4
4
10
11
8
37
36
64
56
74
–
–
–
6
7
–
–
8
–
16
6
–
7
52
61
49
59
61
63
52
56
54
61
44
38
47
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The sum of the columns may not equal 100 since workers may participate in more than one
tax-favored account.
2 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse
employees for any qualified medical expenses. HRAs may be offered with any medical plan.
3 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for
qualified medical expenses. Money is deducted from an employee’s earnings and is not subject to payroll
taxes. Any funds not used by the end of the plan year are forfeited by the employee.
4 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms"
at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 4. Standard errors for non-high deductible health plans:
Summary of selected tax-favored accounts, private industry
workers, National Compensation Survey, 2014
Characteristics
Health
reimbursement
arrangement1
Flexible spending
account2
Worker characteristics
All workers ...............................................................
1.0
1.7
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.8
2.6
1.7
–
1.4
2.0
1.5
0.7
2.7
3.9
3.3
6.1
2.7
4.2
3.3
3.6
–
0.8
2.3
–
2.0
5.7
4.5
3.7
5.5
4.5
Full time ...................................................................
Part time ..................................................................
1.1
2.7
1.7
–
Union .......................................................................
Nonunion .................................................................
1.7
1.2
3.9
1.7
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.3
1.2
2.0
1.4
2.2
–
3.7
2.6
2.2
3.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
2.9
6.2
3.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.2
2.2
3.4
–
–
–
0.8
0.8
2.1
2.6
–
5.2
11.2
6.9
4.8
3.9
Establishment characteristics
See footnotes at end of table.
Table 4. Standard errors for non-high deductible health plans:
Summary of selected tax-favored accounts, private industry
workers, National Compensation Survey, 2014—continued
Characteristics
Health
reimbursement
arrangement1
Flexible spending
account2
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Other services ......................................................
–
–
–
–
–
–
–
–
–
–
7.0
2.8
4.6
6.2
5.1
5.8
4.0
6.0
11.1
9.8
1 to 99 workers ........................................................
1 to 49 workers ....................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.8
0.8
1.6
2.3
2.0
2.6
2.9
2.0
3.1
2.4
–
–
–
1.5
2.0
–
–
1.8
–
4.0
1.5
–
1.3
3.4
7.3
3.6
2.5
2.9
7.1
5.8
3.6
4.0
7.7
3.7
5.2
4.7
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse
employees for any qualified medical expenses. HRAs may be offered with any medical plan.
2 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for
qualified medical expenses. Money is deducted from an employee’s earnings and is not subject to payroll
taxes. Any funds not used by the end of the plan year are forfeited by the employee.
3 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms"
at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 5. Non-high deductible health plans: Amount of annual individual deductible, private industry workers,
National Compensation Survey, 2014
(All workers participating in non-high deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Worker characteristics
All workers ...............................................................
80
–
$300
$500
$800
$1,000
20
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
79
78
80
62
83
83
83
81
$200
225
200
–
250
250
250
200
300
300
250
300
350
400
350
250
500
500
500
500
500
500
500
400
800
1,000
750
750
1,000
1,000
1,000
600
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
21
22
20
38
17
17
17
19
88
74
87
88
–
–
250
–
250
250
300
300
400
500
500
500
500
750
750
–
1,000
1,000
1,000
1,000
12
26
13
12
Full time ...................................................................
Part time ..................................................................
80
74
–
250
300
250
500
–
800
750
1,000
1,000
20
26
Union .......................................................................
Nonunion .................................................................
78
80
–
250
250
300
400
500
500
950
1,000
1,000
22
20
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
74
81
81
79
81
250
250
250
200
225
300
350
300
300
275
500
500
500
500
500
800
1,000
750
750
750
1,000
1,000
1,000
1,000
1,000
26
19
19
21
19
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
85
80
86
–
200
225
300
300
300
500
500
500
750
750
750
1,000
1,000
1,000
15
20
14
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
78
85
83
81
80
80
89
–
250
250
250
200
250
300
300
300
–
–
300
350
350
500
500
500
500
500
500
500
950
750
750
950
750
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
22
15
17
19
20
20
11
Establishment characteristics
See footnotes at end of table.
Table 5. Non-high deductible health plans: Amount of annual individual deductible, private industry workers,
National Compensation Survey, 2014—continued
(All workers participating in non-high deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
92
83
47
82
81
71
66
70
73
$300
250
250
250
250
250
250
200
–
$350
–
250
300
300
–
250
250
–
$500
500
–
500
500
500
400
500
600
$1,000
600
–
950
750
1,000
500
500
1,000
$1,000
1,000
1,200
1,000
1,000
1,000
1,000
1,000
1,000
8
17
53
18
19
29
34
30
27
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
76
74
82
82
83
82
250
250
250
200
200
200
350
350
300
300
300
250
500
500
500
500
500
500
1,000
1,000
1,000
750
800
750
1,000
1,000
1,000
1,000
1,000
1,000
24
26
18
18
17
18
79
82
79
87
84
86
85
66
64
200
300
–
–
200
250
250
200
200
250
–
250
300
300
350
350
250
250
500
500
500
500
500
500
500
500
500
750
600
–
900
1,000
750
750
750
750
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
21
18
21
13
16
14
15
34
36
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
Midwest ....................................................................
East North Central ...............................................
West .........................................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2014."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 5. Standard errors for non-high deductible health plans: Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2014
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
deductible
90th
percentile
Worker characteristics
All workers ...............................................................
1.5
–
$0
$0
$106
$0
1.5
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
1.8
2.7
2.5
7.1
1.8
3.0
2.0
2.8
$33
25
21
–
0
0
0
25
9
22
65
22
44
52
68
0
0
0
0
0
0
0
0
98
145
0
38
203
13
75
9
144
0
0
0
0
0
0
0
0
1.8
2.7
2.5
7.1
1.8
3.0
2.0
2.8
2.4
4.5
2.5
2.6
–
–
12
–
25
24
0
16
76
66
0
0
47
84
9
–
32
0
0
0
2.4
4.5
2.5
2.6
Full time ...................................................................
Part time ..................................................................
1.6
4.1
–
35
0
60
0
–
111
146
0
0
1.6
4.1
Union .......................................................................
Nonunion .................................................................
3.6
1.6
–
12
0
20
93
0
0
136
67
0
3.6
1.6
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
7.5
3.2
2.1
1.6
1.9
39
0
30
13
23
41
37
9
58
49
0
47
0
0
0
196
39
36
34
65
0
0
0
0
0
7.5
3.2
2.1
1.6
1.9
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.9
2.9
2.4
–
0
15
0
9
13
0
55
0
95
202
61
0
0
0
1.9
2.9
2.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.9
1.9
4.5
3.0
3.8
5.1
2.0
–
0
22
0
0
0
56
0
0
–
–
75
0
13
0
0
0
0
114
0
0
186
45
74
61
220
192
208
0
0
0
0
36
0
0
1.9
1.9
4.5
3.0
3.8
5.1
2.0
Establishment characteristics
See footnotes at end of table.
Table 5. Standard errors for non-high deductible health plans: Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2014—continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
deductible
90th
percentile
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.9
3.3
11.8
3.0
3.4
3.8
5.3
3.9
4.4
$54
62
0
0
65
25
27
0
–
$0
–
45
71
67
–
29
16
–
$0
67
–
0
9
76
118
105
139
$187
178
–
186
188
36
114
0
0
$0
0
283
0
0
0
0
211
0
1.9
3.3
11.8
3.0
3.4
3.8
5.3
3.9
4.4
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.9
3.8
2.7
1.4
2.4
1.8
0
18
9
0
29
0
0
13
41
59
25
33
0
0
32
0
0
0
63
204
48
16
187
153
0
0
0
0
0
0
2.9
3.8
2.7
1.4
2.4
1.8
1.9
3.7
2.2
2.1
2.8
2.1
2.5
4.5
4.6
21
57
–
–
31
0
0
40
24
49
–
0
0
0
57
69
56
36
0
0
0
0
0
0
0
0
78
165
155
–
195
143
187
0
216
88
0
165
0
0
0
0
0
0
0
1.9
3.7
2.2
2.1
2.8
2.1
2.5
4.5
4.6
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
Midwest ....................................................................
East North Central ...............................................
West .........................................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 6. High deductible health plans:1 Summary of selected tax-favored
accounts,2 private industry workers, National Compensation Survey, 2014
(All workers participating in high deductible health plans = 100 percent)
Characteristics
Health savings
account3
Health
reimbursement
arrangement4
Flexible spending
account5
Worker characteristics
All workers ...............................................................
42
22
47
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
46
44
48
36
41
34
44
32
35
45
49
37
21
14
26
21
26
39
20
12
16
22
18
29
56
47
62
39
47
35
52
29
34
43
53
26
Full time ...................................................................
Part time ..................................................................
43
29
21
48
48
29
Union .......................................................................
Nonunion .................................................................
56
42
–
22
–
47
Average wage within the following categories6:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
28
39
45
48
51
30
25
15
23
19
–
46
48
54
51
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
42
20
47
16
–
19
46
–
49
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
42
38
47
30
–
–
24
36
19
50
18
19
47
26
41
21
75
81
Establishment characteristics
See footnotes at end of table.
Table 6. High deductible health plans:1 Summary of selected tax-favored
accounts,2 private industry workers, National Compensation Survey,
2014—continued
(All workers participating in high deductible health plans = 100 percent)
Characteristics
Health savings
account3
Health
reimbursement
arrangement4
Flexible spending
account5
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
72
56
59
25
43
51
24
22
14
21
–
–
–
21
–
88
78
50
44
66
53
67
67
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
36
35
39
48
47
52
18
18
18
27
28
24
36
31
49
58
51
72
43
47
38
42
48
29
43
39
53
48
41
51
31
24
22
21
20
23
20
–
17
20
23
19
40
40
48
44
46
53
53
–
57
39
46
36
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 A high deductible health plan (HDHP) is a health plan which typically has a higher deductible and lower premium than a
traditional health plan. An individual plan must have a minimum deductible of $1,250 to be classified as a HDHP. Normally the
plan includes catastrophic coverage to protect against large medical expenses, but the insured is responsible for routine
out-of-pocket expenses.
2 The sum of the columns may not equal 100 since workers may participate in more than one tax-favored account.
3 Health savings accounts (HSA) are used in combination with high deductible health plans to pay for current and future
medical expenses. HSAs are controlled by the employee, although both employees and employers may contribute to the account.
Accounts can accumulate tax-deferred interest.
4 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse employees for any qualified
medical expenses. HRAs may be offered with any medical plan.
5 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for qualified medical
expenses. Money is deducted from an employee’s earnings and is not subject to payroll taxes. Any funds not used by the end of
the plan year are forfeited by the employee.
6 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated
using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 6. Standard errors for high deductible health plans:1 Summary of selected
tax-favored accounts, private industry workers, National Compensation Survey,
2014
Characteristics
Health savings
account2
Health
reimbursement
arrangement3
Flexible spending
account4
Worker characteristics
All workers ...............................................................
1.9
2.1
2.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3.9
4.6
5.4
5.9
2.7
2.4
3.6
4.0
5.4
5.6
7.3
5.7
4.7
2.5
7.0
4.1
2.3
3.5
2.5
3.3
4.3
3.6
4.4
6.5
4.2
4.5
6.1
7.3
3.1
3.9
3.8
4.8
5.4
3.6
3.6
4.8
Full time ...................................................................
Part time ..................................................................
1.9
4.6
2.0
6.0
2.3
6.8
Union .......................................................................
Nonunion .................................................................
9.1
1.8
–
2.2
–
2.3
Average wage within the following categories5:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.7
3.0
3.6
3.8
5.3
4.6
3.1
1.6
4.5
3.9
–
3.2
2.9
3.8
5.5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.7
5.7
5.3
3.3
–
3.9
3.8
–
4.1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1.9
2.6
3.9
2.9
–
–
2.6
3.6
5.6
4.2
2.0
2.3
2.9
2.5
5.1
3.0
3.2
2.5
Establishment characteristics
See footnotes at end of table.
Table 6. Standard errors for high deductible health plans:1 Summary of selected
tax-favored accounts, private industry workers, National Compensation Survey,
2014—continued
Characteristics
Health savings
account2
Health
reimbursement
arrangement3
Flexible spending
account4
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
3.2
5.2
8.8
3.8
10.3
7.5
4.0
3.6
3.0
5.5
–
–
–
5.2
–
2.5
3.8
6.7
9.8
9.4
10.0
8.3
10.1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.5
3.2
4.2
3.0
3.4
5.2
3.1
4.4
3.7
2.6
3.0
4.2
3.1
4.0
5.8
3.2
4.5
3.3
5.7
5.6
2.1
3.8
2.7
2.4
3.3
3.6
6.8
5.7
6.5
7.7
7.2
4.5
2.5
1.9
4.8
5.8
4.7
–
2.7
3.0
3.6
3.9
6.4
7.3
3.2
5.4
3.5
4.9
4.7
–
10.0
5.0
10.9
5.0
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 A high deductible health plan (HDHP) is a health plan which typically has a higher deductible and lower premium than a
traditional health plan. An individual plan must have a minimum deductible of $1,250 to be classified as a HDHP. Normally the
plan includes catastrophic coverage to protect against large medical expenses, but the insured is responsible for routine
out-of-pocket expenses.
2 Health savings accounts (HSA) are used in combination with high deductible health plans to pay for current and future
medical expenses. HSAs are controlled by the employee, although both employees and employers may contribute to the account.
Accounts can accumulate tax-deferred interest.
3 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse employees for any qualified
medical expenses. HRAs may be offered with any medical plan.
4 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for qualified medical
expenses. Money is deducted from an employee’s earnings and is not subject to payroll taxes. Any funds not used by the end of
the plan year are forfeited by the employee.
5 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated
using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 7. High deductible health plans:1 Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2014
(Includes workers participating in high deductible health plans)
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
$1,500
$1,500
$2,000
$3,000
$4,000
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1,300
1,300
1,300
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,750
1,500
1,800
2,000
2,000
2,000
2,000
2,500
–
2,500
–
2,250
3,000
3,000
3,000
3,000
3,000
3,000
3,000
3,000
3,000
4,000
3,000
4,000
4,500
4,000
5,000
4,000
–
1,500
1,400
1,250
1,500
2,000
1,750
1,750
1,500
1,750
2,500
2,000
–
2,000
2,500
3,000
3,000
3,000
2,750
3,000
3,500
4,375
4,000
4,000
5,000
Full time ...................................................................
Part time ..................................................................
1,500
1,500
1,500
1,500
2,000
2,500
3,000
2,750
4,000
3,000
Union .......................................................................
Nonunion .................................................................
1,250
1,500
1,750
1,500
2,000
2,250
2,250
3,000
2,750
4,000
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1,500
1,500
1,500
1,300
1,300
2,000
1,700
1,500
1,500
1,500
2,600
2,250
2,000
2,000
2,000
3,000
3,000
2,750
3,000
2,800
5,000
4,000
3,500
3,250
4,000
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1,300
1,500
1,300
1,500
1,500
1,500
2,000
2,000
2,000
3,000
3,000
3,000
4,000
3,500
4,000
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1,500
1,500
1,500
1,500
1,500
1,500
1,750
1,750
1,500
1,500
2,250
2,500
2,500
2,000
2,000
3,000
2,750
2,750
2,500
2,500
4,000
3,500
3,500
3,000
3,000
Establishment characteristics
See footnotes at end of table.
Table 7. High deductible health plans:1 Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2014—continued
(Includes workers participating in high deductible health plans)
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
$1,500
1,300
1,500
1,300
1,250
1,250
1,250
1,250
$1,500
1,500
1,800
1,650
1,500
1,500
1,500
1,500
$2,000
2,000
2,500
2,000
2,500
–
1,500
2,500
$2,500
2,500
2,650
2,500
3,000
2,500
2,500
3,000
$3,000
3,000
3,000
3,000
5,000
–
3,500
5,000
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1,500
1,500
1,500
1,300
1,300
1,300
2,000
2,000
2,000
1,500
1,500
1,500
2,500
2,500
–
2,000
2,000
1,750
3,000
3,000
3,000
2,750
2,750
2,500
5,000
5,000
5,000
3,500
4,000
3,000
1,300
1,300
1,400
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,400
1,500
1,500
1,500
1,750
1,500
1,500
1,700
1,750
1,750
1,750
1,500
1,500
1,500
2,050
–
–
2,000
–
2,000
2,500
2,500
2,350
2,000
2,000
2,250
3,000
3,000
2,750
2,750
3,000
2,750
3,000
3,000
3,000
2,700
2,500
3,000
3,000
3,000
–
3,500
3,500
3,200
5,000
5,000
–
3,000
3,000
4,000
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 A high deductible health plan (HDHP) is a health plan which typically has a higher deductible and lower premium than a traditional health
plan. An individual plan must have a minimum deductible of $1,250 to be classified as a HDHP. Normally the plan includes catastrophic
coverage to protect against large medical expenses, but the insured is responsible for routine out-of-pocket expenses.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,
and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 7. Standard errors for high deductible health plans:1 Amount of annual individual
deductible, private industry workers, National Compensation Survey, 2014
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
$65
$39
$283
$0
$182
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
34
134
41
92
0
0
0
0
0
0
0
147
24
201
116
265
0
0
481
301
–
278
–
384
272
301
384
0
46
151
46
36
151
1,158
0
619
914
292
991
735
–
0
136
106
0
91
177
329
127
140
645
121
–
219
91
270
36
229
301
83
332
1,066
91
447
1,353
Full time ...................................................................
Part time ..................................................................
109
0
34
349
165
73
0
228
158
46
Union .......................................................................
Nonunion .................................................................
88
33
322
41
0
391
241
0
264
182
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0
0
174
72
110
161
160
113
0
0
219
395
0
90
65
0
0
301
147
277
616
91
576
590
976
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
98
0
56
103
430
111
78
182
222
26
199
165
0
158
0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
0
0
0
158
62
93
0
121
0
0
317
232
0
0
0
0
214
46
56
0
601
652
912
0
0
Establishment characteristics
See footnotes at end of table.
Table 7. Standard errors for high deductible health plans:1 Amount of annual individual
deductible, private industry workers, National Compensation Survey, 2014—continued
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
$0
45
137
52
186
190
0
204
$0
0
214
254
0
0
157
0
$0
136
341
524
130
–
143
91
$36
18
312
0
296
306
0
344
$0
52
0
90
0
–
836
0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0
0
69
26
47
16
0
0
315
0
0
0
0
0
–
18
0
79
0
0
137
32
0
193
782
799
1,478
580
638
0
0
54
161
39
293
0
156
221
91
18
228
0
41
197
359
86
78
212
80
177
203
0
0
55
576
–
–
0
–
0
132
94
386
123
0
373
329
65
182
254
341
129
0
79
112
144
0
316
896
0
–
348
910
674
0
0
–
671
90
1,079
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 A high deductible health plan (HDHP) is a health plan which typically has a higher deductible and lower premium than a traditional health
plan. An individual plan must have a minimum deductible of $1,250 to be classified as a HDHP. Normally the plan includes catastrophic
coverage to protect against large medical expenses, but the insured is responsible for routine out-of-pocket expenses.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,
and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 8. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey, 2014
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
96
4
–
81
19
–
92
7
1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
95
96
95
95
97
96
97
97
5
–
5
–
3
–
3
3
–
–
–
–
–
–
–
–
78
82
76
78
83
90
80
83
22
18
24
22
17
10
20
17
–
–
–
–
–
–
–
–
92
92
92
88
92
93
92
91
7
7
7
12
7
–
7
8
1
(1)
1
–
1
–
1
1
99
95
96
97
95
–
5
4
3
–
–
–
–
–
–
85
82
83
83
83
15
18
17
17
17
–
–
–
–
–
83
96
93
94
93
15
–
7
–
7
2
–
–
–
–
Full time ...................................................................
Part time ..................................................................
96
95
4
–
–
–
81
78
19
22
–
–
92
95
8
–
1
–
Union .......................................................................
Nonunion .................................................................
94
96
6
4
–
–
78
82
22
18
–
–
84
93
14
7
2
1
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
98
98
96
94
96
–
2
4
6
4
–
–
–
–
–
90
81
80
79
82
10
19
20
21
18
–
–
–
–
–
96
93
91
91
92
–
7
9
8
7
–
1
1
1
1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
97
100
96
3
–
4
–
–
–
84
91
81
16
9
19
–
–
–
93
92
93
6
–
–
1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
95
95
97
100
99
5
5
–
–
–
–
–
–
–
–
80
84
86
86
87
20
16
14
14
13
–
–
–
–
–
91
92
93
94
93
8
8
–
3
4
1
–
–
3
3
Establishment characteristics
See footnotes at end of table.
Table 8. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey,
2014—continued
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
99
98
98
91
78
86
94
–
–
–
–
9
–
14
–
–
–
–
–
–
–
–
–
86
91
82
81
67
58
70
69
14
9
18
19
33
42
30
31
–
–
–
–
–
–
–
–
92
96
91
94
86
85
83
86
–
–
9
–
13
15
17
12
–
–
–
–
1
–
–
1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
97
97
97
95
95
94
3
–
–
5
5
6
–
–
–
–
–
–
75
76
73
85
88
81
25
24
27
15
12
19
–
–
–
–
–
–
92
92
93
92
92
91
8
8
7
7
7
8
(1)
(1)
(1)
1
1
1
92
95
91
97
96
98
96
96
98
97
98
96
8
5
9
3
4
–
4
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
66
71
64
83
79
89
82
80
86
91
89
92
34
29
36
17
21
11
18
20
14
9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
78
82
76
96
94
97
95
94
96
95
92
97
21
18
22
4
6
–
5
6
–
–
–
3
1
–
2
1
( )
(1)
–
(1)
(1)
–
–
–
(1)
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 8. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National
Compensation Survey, 2014
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
0.5
0.5
–
1.5
1.5
–
0.9
0.8
0.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.9
1.8
1.0
1.9
0.7
2.0
0.7
0.7
0.9
–
1.0
–
0.7
–
0.7
0.7
–
–
–
–
–
–
–
–
2.2
2.5
2.8
3.0
1.7
1.8
2.3
2.4
2.2
2.5
2.8
3.0
1.7
1.8
2.3
2.4
–
–
–
–
–
–
–
–
1.0
2.1
1.1
2.2
1.4
2.6
1.5
1.8
1.0
2.0
1.0
2.2
1.3
–
1.4
1.7
0.4
0.4
0.7
–
0.7
–
0.7
0.6
0.6
1.1
0.9
0.8
1.6
–
1.1
0.9
0.8
–
–
–
–
–
–
4.0
2.4
2.5
3.0
3.3
4.0
2.4
2.5
3.0
3.3
–
–
–
–
–
3.9
1.2
1.6
2.2
1.8
3.7
–
1.6
–
1.8
1.4
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.5
2.5
0.5
–
–
–
1.5
3.9
1.5
3.9
–
–
0.9
1.6
0.9
–
0.3
–
Union .......................................................................
Nonunion .................................................................
1.3
0.5
1.3
0.5
–
–
3.2
1.5
3.2
1.5
–
–
2.0
0.9
2.5
0.8
1.3
0.3
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.3
0.6
0.9
1.0
0.8
–
0.6
0.9
1.0
0.8
–
–
–
–
–
1.6
1.9
2.0
2.2
3.0
1.6
1.9
2.0
2.2
3.0
–
–
–
–
–
1.3
1.1
1.6
1.1
1.1
–
1.0
1.6
1.1
1.1
–
0.4
0.3
0.4
0.5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.6
0.3
0.8
0.6
–
0.8
–
–
–
3.2
2.6
4.0
3.2
2.6
4.0
–
–
–
1.8
2.0
2.6
1.7
–
–
0.3
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
0.6
1.1
1.3
0.3
0.3
0.6
1.1
–
–
–
–
–
–
–
–
1.7
1.6
2.2
1.9
2.5
1.7
1.6
2.2
1.9
2.5
–
–
–
–
–
1.0
1.3
2.2
2.6
2.9
1.0
1.3
–
0.9
1.0
0.4
–
–
2.5
2.9
Establishment characteristics
See footnotes at end of table.
Table 8. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National
Compensation Survey, 2014—continued
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.1
0.7
0.7
1.1
2.0
7.1
4.2
2.1
–
–
–
–
2.0
–
4.2
–
–
–
–
–
–
–
–
–
2.3
2.7
3.7
3.5
4.5
6.2
4.2
5.1
2.3
2.7
3.7
3.5
4.5
6.2
4.2
5.1
–
–
–
–
–
–
–
–
5.9
1.9
2.5
1.7
2.0
3.8
3.2
2.3
–
–
2.5
–
2.3
3.8
3.2
2.8
–
–
–
–
0.9
–
–
1.0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.7
0.9
1.4
0.7
1.1
1.0
0.7
–
–
0.7
1.1
1.0
–
–
–
–
–
–
2.3
2.8
3.1
1.6
1.7
2.5
2.3
2.8
3.1
1.6
1.7
2.5
–
–
–
–
–
–
1.2
1.5
1.8
1.1
1.6
1.7
1.2
1.5
1.7
1.1
1.5
1.8
0.2
0.3
0.3
0.5
0.7
0.7
1.7
1.5
2.1
0.6
1.0
0.9
0.6
0.8
1.0
1.1
1.1
1.6
1.7
1.5
2.1
0.6
1.0
–
0.6
0.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5.8
4.9
7.2
1.5
2.4
2.0
2.7
3.8
2.9
2.1
4.1
2.3
5.8
4.9
7.2
1.5
2.4
2.0
2.7
3.8
2.9
2.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.5
3.4
4.4
0.7
1.0
1.1
1.0
1.3
1.1
1.6
4.2
0.7
3.7
3.4
4.5
0.6
1.0
–
1.0
1.3
–
–
–
0.7
0.9
–
1.1
0.2
0.1
–
0.1
0.1
–
–
–
0.2
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 9. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey,
2014
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Other
deductible2
Most
generous
coverage1
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
96
–
–
63
$1,000
$2,000
$1,000
–
4
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
95
96
95
94
96
95
97
96
–
–
–
–
–
–
–
40
–
–
–
–
–
–
–
$500
62
61
64
60
70
73
69
56
1,000
1,000
1,000
1,250
1,000
1,500
1,000
1,000
2,000
2,000
2,000
2,500
2,500
3,000
2,000
–
1,000
1,000
1,000
–
–
–
–
–
–
–
–
–
–
–
–
–
5
–
5
–
4
–
3
4
–
–
–
–
–
–
–
–
98
95
96
97
95
58
27
–
–
–
400
1,000
–
–
–
40
68
59
63
54
–
1,250
–
950
650
–
–
1,500
1,750
1,200
–
–
–
–
–
–
–
–
–
–
–
5
4
3
5
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
96
93
–
–
–
–
63
64
1,000
1,000
2,000
–
1,000
–
–
–
4
–
–
–
Union .......................................................................
Nonunion .................................................................
92
96
–
–
–
–
53
64
500
1,000
1,000
2,000
–
1,000
–
–
8
4
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
96
98
96
94
96
–
–
–
–
–
–
–
–
–
–
61
69
64
59
59
1,250
1,000
1,000
1,000
–
3,000
2,500
2,000
2,000
2,000
–
–
1,000
–
–
–
–
–
–
–
–
2
4
6
4
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
97
99
96
–
62
–
–
500
–
53
37
61
1,000
1,500
–
2,000
3,000
–
–
–
–
–
–
–
3
–
4
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
95
95
95
100
99
–
–
–
–
–
–
–
–
–
–
66
69
72
65
62
1,000
1,000
1,500
1,000
1,000
2,000
2,500
3,000
2,000
2,000
1,000
–
–
–
–
–
–
–
–
–
5
5
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 9. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey,
2014—continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
99
98
98
91
78
86
94
29
47
34
37
–
24
27
–
$1,000
1,300
–
–
–
–
500
–
70
52
64
60
68
53
58
70
$1,250
–
950
–
1,000
500
500
1,000
$2,500
–
2,000
–
2,000
1,000
1,000
2,000
–
–
–
–
–
$400
400
–
–
–
–
–
–
–
–
–
–
–
–
–
9
–
14
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
97
97
97
94
95
94
–
–
–
–
–
–
–
–
–
–
–
–
65
65
66
61
62
60
1,250
1,500
1,000
950
1,000
750
2,550
3,000
2,000
1,500
1,750
1,500
1,000
1,000
–
–
1,250
–
–
–
–
–
–
–
3
–
–
6
5
6
–
–
–
–
–
–
92
95
91
97
96
98
96
96
96
97
98
96
–
38
–
–
–
40
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
60
56
61
63
66
58
68
70
64
60
63
58
750
650
–
1,000
1,000
1,200
1,000
1,200
1,000
1,000
1,000
1,000
1,000
–
1,000
2,500
2,000
3,000
2,500
2,500
2,500
2,000
–
2,000
–
–
–
1,000
–
1,000
–
500
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
8
5
9
3
4
–
4
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms,
see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 9. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National
Compensation Survey, 2014
With deductible
With fixed deductible
Characteristics
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible2
With no
deductible
Not
determinable
Most generous
coverage1
Worker characteristics
All workers ...............................................................
0.5
–
–
1.2
$0
$0
$230
–
0.5
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.9
1.8
1.0
2.1
0.8
2.0
0.7
0.9
–
–
–
–
–
–
–
3.0
–
–
–
–
–
–
–
$18
2.0
2.4
2.5
4.4
1.9
2.4
2.3
3.0
0
0
46
227
255
352
18
290
0
134
0
327
492
329
350
–
73
0
199
–
–
–
–
–
–
–
–
–
–
–
–
–
0.9
–
1.0
–
0.8
–
0.7
0.9
–
–
–
–
–
–
–
–
1.3
1.1
0.9
0.8
1.6
6.3
3.5
–
–
–
115
146
–
–
–
6.3
3.5
2.6
2.9
4.4
–
302
–
114
66
–
–
325
270
281
–
–
–
–
–
–
–
–
–
–
–
1.1
0.9
0.8
1.6
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.5
2.8
–
–
–
–
1.2
5.5
0
0
0
–
157
–
–
–
0.5
–
–
–
Union .......................................................................
Nonunion .................................................................
1.7
0.5
–
–
–
–
3.4
1.2
26
0
32
200
–
52
–
–
1.7
0.5
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.9
0.6
0.9
1.0
0.8
–
–
–
–
–
–
–
–
–
–
4.3
2.2
2.1
1.9
3.2
309
94
0
116
–
645
358
240
149
241
–
–
229
–
–
–
–
–
–
–
–
0.6
0.9
1.0
0.8
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.7
0.9
0.8
–
3.5
–
–
0
–
2.3
3.5
3.1
219
433
–
500
566
–
–
–
–
–
–
–
0.7
–
0.8
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
0.6
1.1
1.7
0.3
0.3
–
–
–
–
–
–
–
–
–
–
1.4
2.4
3.5
2.6
2.6
0
63
65
235
283
0
475
474
200
157
184
–
–
–
–
–
–
–
–
–
0.6
1.1
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 9. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National
Compensation Survey, 2014—continued
With deductible
With fixed deductible
Characteristics
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible2
With no
deductible
Not
determinable
Most generous
coverage1
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.1
0.7
0.6
0.9
2.0
7.1
4.2
2.1
3.3
4.5
4.6
5.6
–
5.2
4.8
–
$0
58
–
–
–
–
0
–
3.3
4.1
4.6
5.6
2.8
6.4
5.7
3.0
$365
–
128
–
65
88
0
289
$439
–
151
–
324
137
45
596
–
–
–
–
–
$0
0
–
–
–
–
–
–
–
–
–
–
–
–
–
2.0
–
4.2
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.7
0.9
1.4
0.7
1.1
1.0
–
–
–
–
–
–
–
–
–
–
–
–
2.2
2.6
3.6
1.5
2.3
2.8
275
295
298
100
42
149
579
213
453
303
233
351
0
0
–
–
0
–
–
–
–
–
–
–
0.7
–
–
0.7
1.1
1.0
–
–
–
–
–
–
1.7
1.5
2.1
0.6
1.1
0.9
0.7
0.7
1.7
1.1
1.1
1.6
–
5.4
–
–
–
2.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4.1
5.0
5.0
1.5
2.1
2.3
2.0
2.0
4.3
3.2
5.0
4.0
192
169
–
0
0
267
253
244
186
16
54
103
119
–
97
220
74
539
514
540
636
479
–
595
–
–
–
0
–
0
–
0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.7
1.5
2.1
0.6
1.1
–
0.7
0.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 10. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation
Survey, 2014
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
96
$250
$500
$1,000
$2,000
$3,000
4
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
95
96
95
94
96
95
97
96
250
250
250
250
300
–
300
250
–
500
400
500
500
500
500
300
1,000
1,000
750
1,200
1,100
1,250
1,000
–
1,500
1,500
1,500
2,500
–
2,500
2,250
2,000
2,500
2,750
2,500
3,000
3,000
3,000
3,000
3,000
5
–
5
–
4
–
3
4
–
–
–
–
–
–
–
–
98
95
96
97
95
–
250
250
250
250
300
–
500
500
300
500
1,000
750
1,000
600
1,000
2,000
1,750
2,000
1,500
2,500
3,000
2,700
2,700
2,700
–
5
4
3
5
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
96
93
250
250
500
–
1,000
950
2,000
2,000
3,000
2,750
4
–
–
–
Union .......................................................................
Nonunion .................................................................
92
96
200
250
250
500
500
1,000
–
2,000
1,500
3,000
8
4
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
96
98
96
94
96
300
300
250
250
250
500
500
500
350
350
1,150
1,000
1,000
750
750
2,600
2,000
2,000
1,500
1,500
3,000
3,000
2,750
2,500
2,500
–
2
4
6
4
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
97
99
96
250
250
250
450
350
500
800
–
1,000
2,000
–
2,000
3,000
3,000
3,000
3
–
4
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
95
95
95
100
99
250
250
300
350
350
500
500
500
500
500
1,000
1,000
1,500
1,250
1,250
2,000
2,000
2,500
2,000
2,000
3,000
3,000
3,000
3,000
2,500
5
5
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 10. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation
Survey, 2014—continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
99
98
98
91
78
86
94
$350
–
250
250
250
250
250
250
$500
600
500
450
500
300
350
500
$1,250
1,250
1,000
–
1,000
500
500
1,000
$2,000
2,000
2,000
1,500
1,600
1,000
1,000
2,000
$3,000
2,800
2,600
2,500
3,000
–
–
3,000
–
–
–
–
9
–
14
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
97
97
97
94
95
94
300
300
250
250
250
225
500
500
500
400
500
300
1,000
1,000
1,000
750
950
650
2,500
2,500
2,000
1,500
1,700
1,500
3,000
3,000
3,000
2,600
2,750
2,300
3
–
–
6
5
6
–
–
–
–
–
–
92
95
91
97
96
98
96
96
96
97
98
96
250
300
225
250
250
300
300
300
300
250
–
250
–
500
–
500
–
500
500
500
500
–
–
–
750
–
750
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
950
1,500
1,300
–
1,800
1,500
2,000
2,500
2,500
2,000
1,500
1,500
1,600
2,500
2,000
2,500
2,750
2,750
3,000
3,000
3,300
3,000
2,500
2,500
2,700
8
5
9
3
4
–
4
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 10. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers,
National Compensation Survey, 2014
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
With no
deductible
90th
percentile
Not
determinable
Worker characteristics
All workers ...............................................................
0.5
$0
$13
$0
$36
$0
0.5
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.9
1.8
1.0
2.1
0.8
2.0
0.7
0.9
0
13
0
50
13
–
13
8
–
29
98
9
0
44
0
44
193
0
113
298
193
280
136
–
0
162
0
396
–
309
436
228
195
268
127
289
0
38
0
0
0.9
–
1.0
–
0.8
–
0.7
0.9
–
–
–
–
–
–
–
–
1.3
1.1
0.9
0.8
1.6
–
0
0
61
0
63
–
143
0
61
82
165
112
49
144
210
0
302
18
354
718
89
185
268
244
–
1.1
0.9
0.8
1.6
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.5
2.8
0
0
0
–
0
195
41
421
0
0
0.5
–
–
–
Union .......................................................................
Nonunion .................................................................
1.7
0.5
57
24
25
0
41
0
–
0
431
0
1.7
0.5
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.9
0.6
0.9
1.0
0.8
53
13
0
10
14
0
0
50
47
75
257
0
40
38
112
228
46
52
0
0
392
0
262
199
94
–
0.6
0.9
1.0
0.8
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.7
0.9
0.8
3
16
24
105
75
33
161
–
78
290
–
83
295
365
276
0.7
–
0.8
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
0.6
1.1
1.7
0.3
0.3
0
0
22
18
0
0
51
94
75
102
0
13
246
116
158
0
0
127
0
0
0
209
147
255
294
0.6
1.1
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 10. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers,
National Compensation Survey, 2014—continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.1
0.7
0.6
0.9
2.0
7.1
4.2
2.1
$0
–
36
0
0
0
47
32
$30
12
69
127
16
82
61
115
$355
68
104
–
0
0
0
0
$0
65
250
442
455
166
221
498
$456
372
147
474
498
–
–
857
–
–
–
–
2.0
–
4.2
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.7
0.9
1.4
0.7
1.1
1.0
0
49
50
5
0
25
0
0
52
59
130
79
53
88
154
100
102
118
189
129
558
0
242
55
0
117
0
151
147
321
0.7
–
–
0.7
1.1
1.0
–
–
–
–
–
–
1.7
1.5
2.1
0.6
1.1
0.9
0.7
0.7
1.7
1.1
1.1
1.6
20
27
40
0
0
46
0
0
47
16
–
22
–
0
–
72
–
0
0
0
69
–
–
–
170
–
214
0
18
0
113
153
224
253
297
283
87
248
–
285
223
36
481
336
382
275
132
329
44
459
199
188
47
289
520
892
338
212
0
390
1.7
1.5
2.1
0.6
1.1
–
0.7
0.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 11. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey,
2014
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
94
–
–
62
$2,250
$4,500
$2,000
–
6
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
94
93
94
91
95
95
95
94
–
–
–
–
–
–
–
38
–
–
–
–
–
–
–
$1,500
61
59
63
59
70
73
68
56
2,000
2,000
2,100
3,000
3,000
3,000
3,000
2,250
4,500
4,500
4,200
5,000
6,000
6,000
6,000
–
2,000
2,000
–
–
–
–
–
–
–
–
–
–
–
–
–
–
6
–
6
9
5
–
5
6
–
–
–
–
–
–
–
–
95
93
93
93
92
55
26
–
–
–
1,050
2,000
–
–
–
40
67
58
62
54
2,000
2,500
1,950
1,950
1,950
–
–
3,450
3,900
–
–
–
–
–
–
–
–
–
–
–
–
7
7
7
8
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
94
89
–
–
–
–
62
64
2,300
2,000
4,800
3,000
2,000
–
–
–
6
11
–
–
Union .......................................................................
Nonunion .................................................................
88
94
–
–
–
–
52
64
–
2,500
2,000
5,000
–
2,000
–
–
12
6
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
92
97
93
92
94
–
–
–
–
–
–
–
–
–
–
59
68
63
58
57
3,000
3,000
2,000
2,000
2,000
6,000
5,600
4,000
4,000
4,000
4,500
–
2,000
2,000
–
–
–
–
–
–
8
3
7
8
6
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
93
97
92
–
60
–
–
1,500
–
51
37
58
2,000
–
1,800
4,000
–
4,000
–
–
–
–
–
–
7
–
8
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
94
93
93
99
99
–
–
–
–
–
–
–
–
–
–
66
68
72
65
62
2,400
2,300
3,000
2,500
2,500
4,800
5,600
7,000
4,500
5,000
2,000
3,600
3,600
–
–
–
–
–
–
–
6
7
7
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 11. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey,
2014—continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
97
96
97
91
77
84
93
29
45
34
37
–
24
27
–
$2,500
2,600
–
–
–
–
1,500
–
70
52
63
60
68
52
56
70
$2,550
2,550
1,950
1,500
3,000
–
–
3,000
$5,000
4,500
4,000
4,000
6,000
3,000
2,000
6,000
–
–
–
–
–
$800
800
–
–
–
–
–
–
–
–
–
–
–
–
–
9
–
16
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
96
96
96
92
92
92
–
–
–
–
–
–
–
–
–
–
–
–
65
64
66
60
62
58
3,000
3,000
3,000
2,000
2,000
1,800
6,000
6,000
5,000
3,750
4,000
3,000
2,000
2,000
–
–
3,000
–
–
–
–
–
–
–
4
4
–
8
8
8
–
–
–
–
–
–
90
91
90
96
95
98
94
93
97
92
96
90
–
34
–
–
–
40
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
59
56
59
62
66
58
67
69
64
58
63
55
1,500
1,800
1,500
2,400
2,100
3,000
2,600
3,000
2,400
2,000
–
2,000
2,500
–
2,400
5,000
4,500
6,000
6,000
6,000
5,000
4,500
–
4,500
–
–
–
2,000
–
2,000
–
1,500
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
10
9
10
4
5
–
6
7
–
8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed
using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 11. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National
Compensation Survey, 2014
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
0.7
–
–
1.2
$180
$359
$345
–
0.7
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.1
2.2
1.1
2.4
0.8
2.1
0.8
1.7
–
–
–
–
–
–
–
2.9
–
–
–
–
–
–
–
$391
2.0
2.4
2.5
4.3
1.9
2.4
2.3
3.0
214
117
442
18
82
482
55
447
595
573
547
1,078
323
555
592
–
213
0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.1
–
1.1
2.4
0.8
–
0.8
1.7
–
–
–
–
–
–
–
–
3.5
1.5
1.4
1.6
2.2
5.4
3.5
–
–
–
239
46
–
–
–
6.3
3.5
2.6
3.0
4.4
242
589
49
89
97
–
–
302
604
–
–
–
–
–
–
–
–
–
–
–
–
1.5
1.4
1.6
2.2
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.7
3.0
–
–
–
–
1.2
5.5
169
119
429
604
318
–
–
–
0.7
3.0
–
–
Union .......................................................................
Nonunion .................................................................
1.9
0.7
–
–
–
–
3.3
1.2
–
110
164
36
–
413
–
–
1.9
0.7
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.9
0.7
1.1
1.2
1.6
–
–
–
–
–
–
–
–
–
–
4.3
2.2
2.0
2.0
3.3
280
599
138
9
162
648
948
351
36
385
0
–
356
495
–
–
–
–
–
–
1.9
0.7
1.1
1.2
1.6
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.5
2.5
1.9
–
3.7
–
–
186
–
2.3
3.5
3.1
114
–
380
503
–
718
–
–
–
–
–
–
1.5
–
1.9
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
0.8
1.3
1.6
0.6
0.6
–
–
–
–
–
–
–
–
–
–
1.4
2.4
3.5
2.6
2.6
157
185
158
171
216
491
1,217
810
545
643
359
970
970
–
–
–
–
–
–
–
0.8
1.3
1.6
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 11. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National
Compensation Survey, 2014—continued
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.3
1.4
1.4
1.4
2.0
7.1
4.1
2.1
3.4
4.4
4.7
5.8
–
5.2
4.8
–
$447
26
–
–
–
–
0
–
3.3
4.1
4.4
5.6
2.8
6.4
5.6
3.0
$618
596
134
179
0
–
–
0
$608
560
285
1,018
920
672
425
182
–
–
–
–
–
$13
13
–
–
–
–
–
–
–
–
–
–
–
–
–
2.0
–
4.1
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.9
1.1
1.8
0.9
1.3
1.4
–
–
–
–
–
–
–
–
–
–
–
–
2.2
2.5
3.6
1.5
2.2
2.8
0
0
605
49
16
362
0
0
930
428
267
537
0
0
–
–
713
–
–
–
–
–
–
–
0.9
1.1
–
0.9
1.3
1.4
–
–
–
–
–
–
1.7
1.5
2.1
0.7
1.3
0.9
1.1
1.5
1.0
2.1
2.1
3.1
–
5.6
–
–
–
2.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.9
5.0
4.8
1.5
2.1
2.3
2.0
1.9
4.3
3.4
5.0
4.3
270
528
264
133
276
456
422
184
427
580
–
511
504
–
275
873
499
887
989
530
1,169
963
–
919
–
–
–
103
–
0
–
356
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.7
1.5
2.1
0.7
1.3
–
1.1
1.5
–
2.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 12. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation
Survey, 2014
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
94
$600
$1,000
$2,000
$4,000
$6,000
6
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
94
93
94
91
95
95
95
94
600
600
500
–
750
800
700
500
1,000
1,000
1,000
–
1,350
1,500
1,200
750
2,000
2,000
1,800
3,000
3,000
2,500
3,000
1,500
3,600
4,000
3,400
5,000
4,500
5,000
4,500
4,000
5,600
6,000
5,000
8,000
6,000
6,400
6,000
6,000
6
–
6
9
5
–
5
6
–
–
–
–
–
–
–
–
95
93
93
93
92
–
500
600
600
500
700
800
1,000
1,000
750
–
2,000
1,950
2,000
1,500
–
5,000
4,000
4,000
3,000
6,000
6,000
6,000
6,000
6,000
–
7
7
7
8
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
94
89
600
500
1,000
750
2,000
2,000
4,000
4,500
6,000
5,500
6
11
–
–
Union .......................................................................
Nonunion .................................................................
88
94
400
600
600
1,000
1,000
2,400
1,950
4,000
–
6,000
12
6
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
92
97
93
92
94
600
700
600
500
600
–
1,350
1,000
900
900
3,000
2,500
2,000
1,800
1,800
5,500
4,500
4,000
3,300
3,000
9,000
6,000
6,000
5,600
5,500
8
3
7
8
6
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
93
97
92
600
600
600
1,000
900
1,000
2,000
1,650
2,400
4,000
4,000
4,000
6,000
6,000
6,000
7
–
8
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
94
93
93
99
99
600
600
750
700
750
1,000
1,000
1,500
1,500
1,500
2,000
2,000
3,000
2,600
2,500
4,000
4,250
5,000
4,000
4,000
6,000
6,000
6,000
6,000
5,600
6
7
7
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 12. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation
Survey, 2014—continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
97
96
97
91
77
84
93
$700
1,000
700
–
600
500
500
625
$1,500
1,800
1,000
1,000
1,000
–
750
–
$2,500
2,600
2,000
1,500
2,500
1,500
1,500
3,000
$4,000
4,000
4,000
3,000
4,500
3,000
2,500
4,500
$6,000
5,600
5,000
4,500
7,500
4,800
–
7,500
–
–
–
–
9
–
16
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
96
96
96
92
92
92
700
700
700
500
600
500
1,300
1,250
1,500
1,000
1,000
900
3,000
3,000
3,000
1,950
2,000
1,600
5,000
5,000
5,000
3,400
3,600
3,000
7,500
7,500
7,500
5,250
5,500
4,700
4
4
–
8
8
8
–
–
–
–
–
–
90
91
90
96
95
98
94
93
97
92
96
90
500
900
475
600
600
600
700
700
750
500
–
500
900
1,000
750
1,000
1,000
1,000
1,200
1,500
1,200
1,000
1,000
900
1,600
–
1,500
2,000
2,000
2,500
2,500
3,000
2,400
2,000
2,000
2,000
3,000
3,000
3,200
4,000
3,750
4,500
5,000
5,250
4,600
3,750
4,000
3,750
5,000
4,000
5,000
6,000
6,000
6,000
7,500
8,000
6,000
6,000
5,500
6,000
10
9
10
4
5
–
6
7
–
8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 12. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National
Compensation Survey, 2014
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
deductible
90th
percentile
Not
determinable
Worker characteristics
All workers ...............................................................
0.7
$0
$0
$66
$0
$0
0.7
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.1
2.2
1.1
2.4
0.8
2.1
0.8
1.7
28
66
131
–
33
145
56
13
0
0
93
–
248
101
200
66
0
124
198
650
255
448
167
269
262
385
432
721
535
604
447
456
585
0
467
1,632
1,230
1,303
1,320
0
1.1
–
1.1
2.4
0.8
–
0.8
1.7
–
–
–
–
–
–
–
–
3.5
1.5
1.4
1.6
2.2
–
0
103
37
58
102
210
103
101
172
–
542
92
406
177
–
976
461
0
82
1,482
619
255
185
474
–
1.5
1.4
1.6
2.2
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.7
3.0
0
26
0
111
87
65
0
653
0
0
0.7
3.0
–
–
Union .......................................................................
Nonunion .................................................................
1.9
0.7
117
120
41
65
36
125
352
571
–
0
1.9
0.7
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.9
0.7
1.1
1.2
1.6
119
34
16
32
66
–
270
0
89
103
574
469
0
207
301
455
415
0
397
394
1,645
347
0
617
729
1.9
0.7
1.1
1.2
1.6
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.5
2.5
1.9
18
75
18
45
186
0
242
467
455
220
691
41
0
0
0
1.5
–
1.9
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
0.8
1.3
1.6
0.6
0.6
0
71
109
52
93
0
0
327
114
0
240
97
451
295
317
0
456
385
0
0
0
0
524
0
568
0.8
1.3
1.6
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 12. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National
Compensation Survey, 2014—continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.3
1.4
1.4
1.4
2.0
7.1
4.1
2.1
$44
52
110
–
158
0
0
149
$175
331
20
192
242
–
65
–
$441
141
110
68
501
253
182
569
$0
0
164
809
55
483
144
465
$675
387
71
769
1,437
1,376
–
1,707
–
–
–
–
2.0
–
4.1
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.9
1.1
1.8
0.9
1.3
1.4
16
0
103
26
111
31
208
258
291
109
18
114
285
354
428
109
20
227
0
0
549
264
260
100
736
1,152
1,544
319
133
423
0.9
1.1
–
0.9
1.3
1.4
–
–
–
–
–
–
1.7
1.5
2.1
0.7
1.3
0.9
1.1
1.5
1.0
2.1
2.1
3.1
22
82
76
0
98
117
13
45
24
95
–
144
132
88
192
0
68
273
303
408
310
180
296
211
293
–
289
100
0
517
309
460
410
160
355
251
254
255
762
46
515
667
55
348
282
313
432
517
0
661
27
0
508
0
1,039
1,290
1,044
719
510
516
1.7
1.5
2.1
0.7
1.3
–
1.1
1.5
–
2.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 13. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey,
2014
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Variable coinsurance
Median coinsurance percentage
Characteristics
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Most
generous
coverage1
Out-ofnetwork
With other
coinsurance
Worker characteristics
All workers ...............................................................
–
–
88
80
60
90
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
12
–
–
–
–
11
–
–
80
–
–
–
–
80
89
90
88
82
89
90
88
89
80
80
80
80
80
80
80
80
60
60
60
60
60
60
60
60
90
80
90
90
90
90
90
85
–
–
–
–
–
–
–
–
–
12
–
8
–
–
80
–
80
–
91
88
89
92
85
80
80
80
80
80
60
60
60
60
60
–
80
90
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
–
–
89
80
80
80
60
60
90
90
–
–
Union .......................................................................
Nonunion .................................................................
20
–
80
–
80
89
90
80
60
60
100
90
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
10
–
–
–
–
90
82
91
87
89
90
80
80
80
80
80
60
60
60
60
60
80
90
90
90
100
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
8
13
7
80
80
80
92
87
93
80
80
80
60
60
60
85
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
–
87
86
88
93
94
80
80
80
80
80
60
60
60
60
60
90
80
80
90
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 13. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey,
2014—continued
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Variable coinsurance
Median coinsurance percentage
Characteristics
With fixed
coinsurance
Median
coinsurance
percentage
With variable
coinsurance
In-network
Most
generous
coverage1
Out-ofnetwork
With other
coinsurance
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
14
17
12
24
18
–
–
–
85
90
80
80
80
–
94
93
86
83
88
76
82
90
80
80
80
80
80
90
80
80
60
60
60
60
60
70
65
60
–
80
–
–
90
100
100
90
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
16
–
–
–
–
–
80
–
–
–
89
90
84
88
87
90
80
80
80
80
80
80
60
60
60
60
60
60
80
80
–
90
90
90
–
–
–
–
–
–
16
8
18
–
–
–
–
–
–
10
11
9
80
75
80
–
–
–
–
–
–
80
80
80
84
92
82
87
87
89
90
92
87
90
89
91
90
90
90
80
80
80
80
80
80
80
80
80
60
60
60
60
60
60
60
60
60
60
60
60
100
100
100
80
90
80
80
80
80
90
–
85
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2014."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major
plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 13. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National
Compensation Survey, 2014
Fixed coinsurance
Variable coinsurance
Median coinsurance percentage
Characteristics
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Out-ofnetwork
Most
generous
coverage1
With other
coinsurance
Worker characteristics
All workers ...............................................................
–
–
1.2
0.0
0.0
0.0
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
1.6
–
–
–
–
2.1
–
–
0.0
–
–
–
–
0.0
1.5
2.0
1.6
4.4
1.8
2.6
2.0
2.1
0.0
0.0
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
9.7
0.0
3.6
3.6
0.0
7.3
4.1
–
–
–
–
–
–
–
–
–
2.3
–
1.9
–
–
8.2
–
0.0
–
3.1
2.3
1.9
1.9
2.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
13.9
10.5
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
–
–
1.2
4.3
0.0
0.0
0.0
0.0
0.0
1.3
–
–
Union .......................................................................
Nonunion .................................................................
3.3
–
0.0
–
3.3
1.1
1.8
0.0
1.6
0.0
3.2
0.0
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
2.0
–
–
–
–
6.9
4.4
1.2
1.4
1.3
2.0
0.0
0.0
0.0
0.0
2.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6
0.0
9.8
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.5
3.0
1.7
0.0
0.0
1.3
1.5
3.0
1.7
0.0
0.0
0.0
0.0
0.0
0.0
6.9
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
–
1.5
1.8
2.6
1.3
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.2
0.0
0.0
0.0
6.3
8.9
8.0
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 13. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National
Compensation Survey, 2014—continued
Fixed coinsurance
Variable coinsurance
Median coinsurance percentage
Characteristics
With fixed
coinsurance
Median
coinsurance
percentage
With variable
coinsurance
In-network
Out-ofnetwork
Most
generous
coverage1
With other
coinsurance
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
2.9
3.7
3.1
6.2
3.9
–
–
–
6.2
4.8
1.8
0.0
7.1
–
1.3
2.2
2.9
3.7
3.1
6.2
3.9
3.3
0.0
0.0
2.2
4.2
0.0
0.9
4.4
0.0
0.0
0.0
0.0
0.0
0.0
1.3
6.5
0.0
–
12.2
–
–
0.0
8.4
8.4
0.0
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
3.3
–
–
–
–
–
0.0
–
–
–
1.6
1.4
3.3
1.4
1.9
2.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.2
3.2
–
0.0
6.0
6.8
–
–
–
–
–
–
3.6
2.1
4.6
–
–
–
–
–
–
2.0
3.2
2.6
0.0
0.0
2.0
–
–
–
–
–
–
0.0
0.0
0.0
3.6
2.1
4.6
2.3
4.0
2.0
2.1
0.9
5.5
2.0
3.2
2.6
0.9
4.7
1.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.2
4.5
4.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.1
0.0
0.0
0.0
0.0
7.7
0.0
0.0
4.9
6.2
5.4
2.6
–
5.4
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 14. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2014
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Worker characteristics
All workers ...............................................................
92
$1,000
$1,500
$2,000
$3,000
$4,200
8
1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
92
92
92
87
92
92
92
90
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,500
1,500
1,500
1,500
1,500
1,750
1,500
1,250
2,000
2,000
2,000
2,500
2,250
2,425
2,000
2,000
3,000
2,700
3,000
4,000
3,000
3,250
3,000
3,000
3,850
3,750
4,000
5,000
4,300
4,300
4,300
4,850
7
7
7
13
7
–
7
9
1
(2)
1
–
1
–
1
1
81
96
93
94
92
1,000
750
700
550
1,000
1,400
1,250
1,000
1,000
1,000
2,000
2,000
2,000
2,000
2,000
2,750
3,000
2,700
2,700
2,600
5,000
4,500
3,750
3,400
4,400
17
–
7
–
8
2
–
–
–
–
Full time ...................................................................
Part time ..................................................................
92
93
1,000
1,000
1,500
1,500
2,000
2,250
3,000
3,000
4,000
4,500
8
7
1
–
Union .......................................................................
Nonunion .................................................................
83
93
900
1,000
1,000
1,500
1,750
2,000
2,750
3,000
4,900
4,000
16
7
2
1
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
95
93
91
91
92
1,000
1,000
1,000
1,000
1,000
1,750
1,500
1,300
1,500
1,300
2,500
2,000
2,000
2,000
2,000
3,500
3,000
3,000
3,000
2,750
5,000
4,000
4,000
4,000
4,200
–
7
9
8
7
–
1
1
1
1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
93
91
93
750
1,000
600
1,250
1,500
1,000
2,000
2,000
2,000
2,900
3,000
2,750
3,500
4,900
3,200
7
–
–
1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
91
92
92
94
93
1,000
1,000
1,250
1,000
1,000
1,500
1,500
2,000
1,400
1,400
2,000
2,250
2,500
1,800
1,750
3,000
3,000
3,250
2,500
2,000
4,250
4,150
4,500
3,750
3,000
8
8
8
3
4
1
–
–
3
3
Establishment characteristics
See footnotes at end of table.
Table 14. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2014—continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
92
96
91
94
86
85
83
86
$1,000
1,000
1,000
1,250
1,000
750
850
1,000
$1,500
1,400
1,750
1,650
1,500
1,000
1,000
1,500
$2,000
1,700
2,425
2,500
2,400
1,750
1,750
2,400
$2,500
2,000
3,000
3,000
3,050
2,500
2,250
3,050
$3,200
2,950
4,000
4,200
5,000
3,850
3,000
5,000
–
–
9
–
13
15
17
12
–
–
–
–
1
–
–
1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
92
92
93
91
92
91
1,000
1,000
1,000
1,000
1,000
1,000
1,500
1,500
1,500
1,500
1,500
1,500
2,000
2,000
2,250
2,000
2,000
2,000
3,000
3,000
3,000
2,750
3,000
2,700
4,325
4,000
5,000
4,000
4,200
4,000
8
8
7
8
8
8
(2)
(2)
(2)
1
1
1
78
82
76
95
93
97
94
94
95
95
92
97
1,000
1,000
1,000
1,000
1,000
1,100
750
1,000
600
1,000
1,000
1,000
1,500
1,500
1,500
1,550
1,650
1,650
1,100
1,250
1,000
1,500
1,500
1,500
2,000
2,000
2,000
2,200
2,150
2,250
2,000
2,000
2,000
2,000
2,000
2,000
3,000
3,500
2,900
3,000
3,000
3,200
2,800
3,000
2,500
3,000
3,000
2,800
4,500
4,500
3,800
4,000
4,000
4,250
4,000
4,300
3,250
4,200
4,150
4,200
21
18
22
4
7
–
6
6
–
–
–
3
1
–
2
2
( )
(2)
–
(2)
(2)
–
–
–
(2)
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 14. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2014
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Worker characteristics
All workers ...............................................................
0.9
$0
$0
$0
$0
$274
0.9
0.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.0
2.1
1.1
2.3
1.5
2.7
1.5
1.9
0
0
0
0
0
0
0
124
0
212
0
202
104
94
29
284
0
134
0
41
35
169
274
0
255
231
107
784
164
254
52
71
281
399
299
323
264
252
336
464
1.0
2.0
1.0
2.3
1.3
–
1.4
1.8
0.4
0.4
0.7
–
0.7
–
0.7
0.6
4.1
1.2
1.5
2.2
1.8
129
141
144
77
33
247
283
125
71
275
313
95
18
32
47
308
0
132
142
197
873
468
354
339
185
3.7
–
1.5
–
1.8
1.4
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.9
2.0
0
0
18
204
0
74
0
220
252
129
0.9
2.0
0.3
–
Union .......................................................................
Nonunion .................................................................
2.3
0.9
181
0
221
0
200
0
323
0
801
135
2.7
0.8
1.3
0.3
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.7
1.1
1.6
1.1
1.1
0
0
0
0
78
202
0
198
76
190
0
41
0
0
36
454
0
95
270
251
673
254
137
265
453
–
1.0
1.6
1.1
1.1
–
0.4
0.3
0.4
0.5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.8
2.1
2.6
143
27
40
78
69
182
0
63
36
236
720
207
325
598
247
1.8
–
–
0.3
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1.0
1.3
2.3
2.6
2.9
0
0
221
0
0
0
0
248
115
111
9
100
0
130
77
0
0
187
187
56
222
262
281
387
47
1.0
1.3
2.3
0.9
1.0
0.4
–
–
2.5
2.9
Establishment characteristics
See footnotes at end of table.
Table 14. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2014—continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
5.9
1.9
2.4
1.8
2.0
3.8
3.2
2.3
$20
105
279
242
0
63
165
0
$0
97
97
138
143
0
52
9
$0
9
245
227
378
281
243
143
$135
95
0
82
42
381
387
800
$162
119
292
748
82
771
768
47
–
–
2.4
–
2.3
3.8
3.2
2.8
–
–
–
–
0.9
–
–
1.0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.2
1.5
1.8
1.1
1.6
1.7
0
0
0
0
0
120
0
175
229
41
71
163
90
63
351
0
75
0
0
0
222
136
38
60
426
449
581
235
236
216
1.2
1.5
1.7
1.1
1.5
1.8
0.2
0.3
0.3
0.5
0.7
0.7
3.5
3.4
4.4
0.8
1.2
1.1
1.0
1.2
1.8
1.6
4.2
0.7
0
234
46
0
119
201
189
136
144
0
0
187
111
18
259
108
109
232
186
122
16
244
308
297
0
269
116
184
162
181
0
175
176
0
145
0
76
384
278
0
0
367
212
18
132
293
112
411
377
388
431
242
118
811
353
351
444
409
1,061
481
3.7
3.4
4.5
0.7
1.2
–
1.0
1.2
–
–
–
0.7
0.9
–
1.1
0.2
0.1
–
0.1
0.1
–
–
–
0.2
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 15. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2014
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Worker characteristics
All workers ...............................................................
90
$2,000
$3,000
$4,500
$6,000
$8,500
10
1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
91
90
91
84
91
92
91
86
2,000
2,000
2,000
1,650
2,000
2,300
2,000
2,000
3,000
3,000
3,000
3,000
3,250
4,000
3,000
3,000
4,400
4,000
4,500
5,000
4,500
5,000
4,200
4,500
6,000
6,000
6,000
7,500
6,000
6,500
6,000
6,500
8,200
8,000
8,200
12,700
8,400
9,600
8,000
10,000
8
9
8
16
8
–
8
13
1
(2)
1
–
1
–
1
1
72
95
90
93
87
2,000
–
1,500
1,200
1,800
3,000
2,800
2,500
2,250
2,600
5,000
4,500
4,400
4,000
4,700
6,000
6,750
6,000
5,500
6,000
10,500
9,700
8,200
7,500
9,000
26
–
10
–
13
2
–
–
–
–
Full time ...................................................................
Part time ..................................................................
90
90
2,000
2,200
3,000
3,300
4,500
5,000
6,000
6,000
8,500
10,000
9
10
1
–
Union .......................................................................
Nonunion .................................................................
78
91
–
2,000
2,500
3,000
4,250
4,500
6,000
6,000
11,500
8,400
20
8
2
1
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
93
91
88
89
91
2,000
2,000
2,000
2,000
2,000
3,750
3,000
3,000
3,000
3,000
5,000
4,500
4,500
4,300
4,250
6,500
6,000
6,000
6,000
6,000
10,900
8,200
8,200
8,500
–
–
8
11
10
8
–
1
1
1
1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
91
86
92
1,500
2,000
1,200
3,000
3,400
2,600
4,500
5,000
4,000
6,000
7,500
5,900
9,000
10,000
7,500
9
–
–
1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
90
89
93
92
92
2,000
2,000
3,000
2,000
2,000
3,000
3,000
4,500
3,000
3,000
4,500
5,000
5,000
4,000
4,000
6,000
6,000
6,500
5,000
4,500
8,500
8,700
9,000
7,000
6,000
10
11
–
5
5
1
–
–
3
3
Establishment characteristics
See footnotes at end of table.
Table 15. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2014—continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
91
93
91
93
86
84
83
86
$2,000
2,000
2,500
2,700
2,000
–
2,000
2,000
$3,000
2,500
3,600
4,000
3,000
3,000
2,550
3,000
$4,000
4,000
5,000
5,000
4,500
3,500
3,500
5,000
$5,000
4,400
6,000
6,000
6,100
5,000
5,000
6,100
$6,500
5,600
8,000
8,400
9,500
8,000
6,000
10,000
–
–
9
–
13
16
17
13
–
–
–
–
1
–
–
1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
91
91
91
89
89
90
2,000
2,000
2,000
2,000
2,000
2,000
3,000
3,000
3,500
3,000
3,000
3,000
4,500
4,200
5,000
4,500
4,500
4,000
6,000
6,000
6,700
6,000
6,000
6,000
8,700
8,000
10,000
8,400
9,000
8,200
9
9
9
10
10
10
(2)
(2)
(2)
1
1
1
76
82
74
93
91
96
93
92
95
92
92
93
2,400
2,500
2,250
2,200
2,200
2,500
1,500
1,500
1,200
2,000
2,000
2,000
3,000
3,000
3,000
3,500
3,500
3,600
2,600
2,850
2,500
3,000
2,600
3,000
4,500
4,500
4,000
5,000
5,000
5,000
4,000
4,000
4,000
4,500
5,000
4,250
6,000
7,000
6,000
6,000
6,000
7,000
5,500
6,000
5,200
6,000
6,500
6,000
9,000
12,700
9,000
9,000
9,000
9,700
7,500
8,000
6,750
9,000
9,700
–
23
18
24
6
9
–
7
8
–
–
–
7
1
–
2
2
( )
(2)
–
(2)
(2)
–
–
–
(2)
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 15. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2014
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Worker characteristics
All workers ...............................................................
1.0
$0
$0
$0
$0
$563
1.0
0.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.9
1.9
1.1
3.1
1.5
2.7
1.5
2.4
0
0
97
472
262
443
219
135
0
0
36
313
255
383
282
365
355
158
225
223
66
157
457
167
0
116
0
725
0
576
505
704
366
688
341
1,482
444
1,229
477
714
0.9
1.9
1.0
3.1
1.4
–
1.4
2.5
0.4
0.4
0.7
–
0.7
–
0.7
0.6
5.6
1.3
2.0
2.2
3.1
69
–
112
200
461
549
483
438
427
596
254
520
408
106
424
1,227
659
257
460
120
799
817
407
158
930
5.7
–
2.0
–
3.1
1.4
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.9
2.8
0
303
0
379
32
0
0
584
480
1,384
0.9
2.8
0.3
–
Union .......................................................................
Nonunion .................................................................
2.6
0.9
–
0
223
0
737
0
352
0
1,379
338
3.0
0.9
1.3
0.3
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.6
1.2
1.8
1.0
1.0
144
0
243
0
63
722
52
0
0
0
18
398
202
342
363
431
61
0
0
0
1,565
659
601
574
–
–
1.2
1.8
1.0
1.0
–
0.4
0.3
0.4
0.5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.9
2.9
2.6
0
0
158
533
203
562
549
397
0
0
627
233
609
725
591
1.8
–
–
0.3
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1.1
1.8
2.2
2.6
3.0
0
0
378
0
0
0
66
426
0
0
18
364
26
0
0
0
31
205
264
74
416
617
745
725
351
1.1
1.8
–
1.1
1.2
0.4
–
–
2.5
2.9
Establishment characteristics
See footnotes at end of table.
Table 15. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2014—continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
5.9
2.3
2.0
2.0
2.0
3.7
3.3
2.3
$234
347
386
457
97
–
0
99
$292
583
394
353
0
802
605
0
$0
104
464
278
566
500
389
359
$140
302
143
551
243
362
378
574
$390
204
942
911
1,468
1,213
0
1,839
–
–
2.0
–
2.3
3.7
3.3
2.8
–
–
–
–
0.9
–
–
1.0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.3
1.6
2.0
1.1
1.6
2.0
0
173
424
0
0
400
0
0
431
0
0
0
111
382
145
0
152
431
26
0
640
0
108
405
597
414
1,269
668
517
313
1.3
1.6
1.9
1.1
1.5
2.1
0.2
0.3
0.3
0.5
0.7
0.7
3.6
3.5
4.5
1.2
1.9
1.6
1.3
1.8
1.2
1.8
4.1
1.6
192
112
357
291
451
553
111
306
286
50
0
136
0
570
0
149
138
458
484
585
520
449
497
175
477
192
473
380
604
368
0
331
66
448
350
476
0
624
101
293
0
938
532
330
90
144
987
46
912
3,107
1,604
814
420
561
398
553
709
850
1,592
–
3.7
3.5
4.5
1.2
1.9
–
1.3
1.8
–
–
–
1.6
0.9
–
1.1
0.2
0.1
–
0.1
0.1
–
–
–
0.2
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 16. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation
Survey, 2014
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
49
51
–
21
79
–
87
13
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
49
40
54
36
59
62
58
34
51
60
46
64
41
38
42
66
–
–
–
–
–
–
–
–
18
22
15
–
33
39
30
26
82
78
85
–
67
61
70
74
–
–
–
–
–
–
–
–
87
86
87
96
85
94
81
91
13
14
13
–
15
–
19
–
–
–
–
–
–
–
–
–
–
30
59
57
61
–
70
41
43
–
–
–
–
–
–
–
24
38
–
43
–
76
62
68
57
–
–
–
–
–
98
88
79
66
90
–
–
–
34
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
49
45
51
55
–
–
22
–
78
86
–
–
87
95
13
–
–
–
Union .......................................................................
Nonunion .................................................................
39
50
61
50
–
–
15
23
85
77
–
–
79
89
21
11
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
49
53
47
45
59
51
47
53
55
–
–
–
–
–
–
21
23
21
24
81
79
77
79
76
–
–
–
–
–
96
86
88
85
87
–
14
12
15
13
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
51
–
63
49
–
37
–
–
–
29
–
35
71
–
65
–
–
–
79
100
69
21
–
31
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
48
56
45
39
59
52
44
55
61
41
–
–
–
–
–
20
44
31
29
41
80
56
69
71
59
–
–
–
–
–
89
96
96
91
85
11
–
–
9
15
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 16. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation
Survey, 2014—continued
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
66
53
50
47
48
53
41
47
34
47
50
53
52
47
59
53
–
–
–
–
–
–
–
–
44
–
–
–
–
16
10
–
56
62
79
79
91
84
90
92
–
–
–
–
–
–
–
–
86
84
88
89
84
64
59
88
–
–
–
–
16
36
41
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
48
47
54
49
52
44
52
53
46
51
48
56
–
–
–
–
–
–
20
20
–
23
29
16
80
80
81
77
71
84
–
–
–
–
–
–
94
93
96
80
89
68
–
–
–
20
11
32
–
–
–
–
–
–
57
69
52
58
59
–
53
51
57
37
–
38
43
–
48
42
41
57
47
49
43
63
65
62
–
–
–
–
–
–
–
–
–
–
–
–
15
–
18
21
22
–
38
–
–
20
–
20
85
91
82
79
78
83
62
63
61
80
79
80
–
–
–
–
–
–
–
–
–
–
–
–
82
79
84
87
90
79
76
77
73
94
96
93
18
–
16
–
–
–
24
–
–
6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 16. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,
National Compensation Survey, 2014
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
3.7
3.7
–
2.5
2.5
–
1.8
1.8
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
6.2
6.3
7.9
10.7
3.7
7.3
4.0
5.8
6.2
6.3
7.9
10.7
3.7
7.3
4.0
5.8
–
–
–
–
–
–
–
–
3.7
5.8
4.0
–
4.9
6.4
5.7
5.4
3.7
5.8
4.0
–
4.9
6.4
5.7
5.4
–
–
–
–
–
–
–
–
2.7
4.2
3.3
1.9
3.9
2.7
5.0
3.3
2.7
4.2
3.3
–
3.9
–
5.0
–
–
–
–
–
–
–
–
–
–
7.4
8.2
7.0
15.0
–
7.4
8.2
7.0
–
–
–
–
–
–
–
7.2
7.5
–
12.3
–
7.2
7.5
9.8
12.3
–
–
–
–
–
1.8
4.9
6.5
9.0
4.9
–
–
–
9.0
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.8
8.7
3.8
8.7
–
–
2.5
–
2.5
5.1
–
–
1.9
2.4
1.9
–
–
–
Union .......................................................................
Nonunion .................................................................
9.1
3.9
9.1
3.9
–
–
3.8
2.7
3.8
2.7
–
–
5.7
1.7
5.7
1.7
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
6.3
5.9
5.1
6.1
13.7
6.3
5.9
5.1
6.1
–
–
–
–
–
–
4.4
3.8
3.9
5.0
7.6
4.4
3.8
3.9
5.0
–
–
–
–
–
2.8
3.9
3.4
2.5
2.8
–
3.9
3.4
2.5
2.8
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.4
–
4.8
4.4
–
4.8
–
–
–
5.4
–
6.9
5.4
–
6.9
–
–
–
5.4
(2)
7.4
5.4
–
7.4
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
4.4
6.4
12.3
8.8
6.2
4.4
6.4
12.3
8.8
6.2
–
–
–
–
–
2.7
5.3
8.1
7.0
5.8
2.7
5.3
8.1
7.0
5.8
–
–
–
–
–
1.8
2.1
3.1
1.7
2.9
1.8
–
–
1.7
2.9
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 16. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,
National Compensation Survey, 2014—continued
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
7.1
9.4
7.4
9.9
8.6
8.7
6.0
10.1
7.1
9.4
7.4
9.9
8.6
8.7
6.0
10.1
–
–
–
–
–
–
–
–
5.5
–
–
–
–
4.2
2.2
–
5.5
12.1
8.2
9.9
3.2
4.2
2.2
3.5
–
–
–
–
–
–
–
–
6.5
6.2
4.4
5.0
4.7
10.7
7.3
4.8
–
–
–
–
4.7
10.7
7.3
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
5.5
6.2
9.1
4.8
7.5
6.6
5.5
6.2
9.1
4.8
7.5
6.6
–
–
–
–
–
–
3.1
3.8
–
3.6
5.9
3.4
3.1
3.8
6.0
3.6
5.9
3.4
–
–
–
–
–
–
2.1
2.4
2.1
3.1
3.0
5.2
–
–
–
3.1
3.0
5.2
–
–
–
–
–
–
5.2
13.7
3.1
7.9
9.4
–
7.5
9.9
11.4
5.7
–
6.0
5.2
–
3.1
7.9
9.4
16.2
7.5
9.9
11.4
5.7
12.4
6.0
–
–
–
–
–
–
–
–
–
–
–
–
3.3
–
3.3
4.8
6.2
–
9.4
–
–
3.4
–
3.5
3.3
7.9
3.3
4.8
6.2
8.9
9.4
12.3
13.9
3.4
8.2
3.5
–
–
–
–
–
–
–
–
–
–
–
–
4.4
10.3
4.9
3.9
4.0
12.1
7.0
6.8
16.3
1.9
1.9
2.7
4.4
–
4.9
–
–
–
7.0
–
–
1.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
2 Less than 0.05.
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 17. Health maintenance organizations: Amount of annual individual out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2014
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Worker characteristics
All workers ...............................................................
87
$1,500
$1,500
$2,000
$3,000
$3,500
13
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
87
86
87
96
85
94
81
91
1,250
1,200
1,400
1,500
1,250
1,500
1,250
1,500
1,500
1,500
1,500
2,000
1,500
1,500
1,500
1,500
1,800
1,900
1,500
2,500
2,000
1,725
2,000
1,500
2,500
2,500
2,700
3,000
2,600
2,500
3,000
3,300
3,000
3,300
3,000
3,500
3,500
4,000
3,500
3,500
13
14
13
–
15
–
19
–
–
–
–
–
–
–
–
–
98
88
79
66
90
1,000
1,500
1,400
1,000
1,500
1,500
1,500
1,700
1,500
2,000
3,300
1,500
2,350
2,000
2,600
3,500
2,500
5,000
2,350
5,000
4,000
3,000
5,000
3,500
5,000
–
–
–
34
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
87
95
1,400
1,500
1,500
1,500
2,000
2,350
3,000
3,000
3,500
3,000
13
–
–
–
Union .......................................................................
Nonunion .................................................................
79
89
1,400
1,500
1,500
1,500
1,500
2,000
2,000
3,000
4,400
3,500
21
11
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
96
86
88
85
87
1,500
1,500
1,400
1,200
650
1,700
1,500
1,500
1,500
1,500
2,500
2,500
2,000
1,800
1,800
3,500
3,000
2,900
2,500
2,500
3,500
5,000
3,750
3,300
3,000
–
14
12
15
13
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
79
100
69
1,000
1,500
1,400
1,500
1,500
1,500
2,000
3,000
2,000
3,300
3,500
2,350
4,000
4,000
3,500
21
–
31
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
89
96
96
91
85
1,500
1,500
1,500
1,150
1,100
1,500
1,500
1,500
1,500
1,500
2,000
2,000
1,800
2,000
2,000
3,000
2,500
2,500
4,000
2,500
3,500
3,000
4,000
5,000
4,000
11
–
–
9
15
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 17. Health maintenance organizations: Amount of annual individual out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2014—continued
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
86
84
88
89
84
64
59
88
$1,000
1,250
1,500
1,500
1,500
1,000
1,000
1,500
$1,150
1,500
1,700
1,700
1,500
1,250
1,500
1,500
$1,500
2,000
2,500
2,000
2,250
1,500
1,900
2,500
$2,200
2,200
3,000
3,000
3,000
2,000
2,500
3,000
$4,000
5,000
3,000
3,000
3,500
3,000
3,500
3,500
–
–
–
–
16
36
41
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
94
93
96
80
89
68
1,500
1,500
1,500
1,250
1,400
650
1,500
1,500
1,500
1,500
1,500
1,500
2,500
2,500
2,350
1,500
1,500
1,500
3,000
3,000
3,300
2,350
2,350
2,250
4,000
4,000
3,750
3,000
3,000
3,500
–
–
–
20
11
32
–
–
–
–
–
–
82
79
84
87
90
79
76
77
73
94
96
93
1,500
1,500
1,500
1,400
1,500
650
1,500
1,500
1,500
1,400
1,500
1,250
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,900
1,500
2,000
1,500
2,500
2,400
2,500
2,000
2,000
2,000
2,000
2,000
2,500
2,000
3,000
1,500
3,000
3,350
3,000
3,000
3,000
5,000
2,700
2,700
3,000
3,000
3,500
2,200
3,500
4,000
3,500
3,750
3,500
5,000
4,000
3,500
5,000
3,500
4,000
3,000
18
–
16
–
–
–
24
–
–
6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 17. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum,1
private industry workers, National Compensation Survey, 2014
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristics
All workers ...............................................................
1.8
$140
$0
$36
$61
$258
1.8
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.7
4.2
3.3
1.9
3.9
2.7
5.0
3.3
184
149
199
0
286
191
192
77
0
0
0
449
0
0
0
0
337
124
466
502
0
396
0
785
583
288
565
591
247
66
315
438
439
316
223
91
701
3,650
569
652
2.7
4.2
3.3
–
3.9
–
5.0
–
–
–
–
–
–
–
–
–
1.8
4.9
6.5
9.0
4.9
591
0
143
456
117
365
0
356
0
212
406
91
266
543
2,710
0
205
1,207
269
0
129
358
979
619
1,392
–
–
–
9.0
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.9
2.4
108
0
0
0
0
956
58
455
313
2,843
1.9
–
–
–
Union .......................................................................
Nonunion .................................................................
5.7
1.7
63
94
26
0
223
340
441
0
1,744
209
5.7
1.7
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.8
3.9
3.4
2.5
2.8
26
0
122
246
519
439
497
0
0
0
791
421
223
255
221
447
0
576
292
80
1,649
1,284
319
435
71
–
3.9
3.4
2.5
2.8
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5.4
(3)
7.4
425
18
443
0
0
0
269
1,017
285
328
39
26
182
0
785
5.4
–
7.4
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1.8
2.1
3.1
1.7
2.9
93
0
0
47
0
0
0
0
0
211
104
0
468
250
150
91
66
100
2,338
447
199
1,563
3,710
947
1,036
1.8
–
–
1.7
2.9
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 17. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum,1
private industry workers, National Compensation Survey, 2014—continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
6.5
6.2
4.4
5.0
4.7
10.7
7.3
4.8
$129
341
0
0
112
283
473
0
$114
289
341
345
0
377
0
73
$555
61
0
398
542
0
502
584
$456
617
0
396
0
476
594
0
$1,818
2,634
0
0
644
122
707
568
–
–
–
–
4.7
10.7
7.3
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.1
2.4
2.1
3.1
3.0
5.2
0
0
0
191
63
343
155
374
0
0
0
82
113
182
346
337
332
579
440
472
504
217
226
378
938
1,372
668
0
0
754
–
–
–
3.1
3.0
5.2
–
–
–
–
–
–
4.4
10.3
4.9
3.9
4.0
12.1
7.0
6.8
16.3
1.9
1.9
2.7
71
0
203
254
88
785
0
0
0
101
184
209
294
394
391
0
91
565
0
0
467
0
607
0
430
598
491
260
452
2,561
393
537
603
195
408
55
55
422
109
318
77
1,565
224
241
664
604
204
316
548
1,275
731
1,622
282
0
1,268
602
2,077
164
1,617
327
4.4
–
4.9
–
–
–
7.0
–
–
1.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered expenses
are fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
3 Less than 0.05.
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 18. Health maintenance organizations: Amount of annual family out-of-pocket maximum,1 private industry workers,
National Compensation Survey, 2014
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Worker characteristics
All workers ...............................................................
85
$2,800
$3,000
$4,500
$6,000
$7,500
15
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
84
85
84
96
80
93
75
91
2,500
2,400
2,800
3,000
2,800
3,000
2,500
3,000
3,000
3,000
3,000
4,000
3,000
3,400
3,000
3,000
3,400
3,550
–
6,000
4,500
4,500
4,500
4,500
6,000
6,000
6,000
6,000
6,000
5,000
6,000
7,000
6,250
6,600
6,000
7,000
7,500
–
8,000
9,400
16
15
16
–
20
–
25
–
–
–
–
–
–
–
–
–
98
87
75
63
85
2,800
3,000
2,800
2,500
3,000
3,000
3,000
3,550
3,000
4,000
6,600
–
5,000
4,700
–
9,400
6,000
10,000
–
10,000
9,400
7,500
10,000
–
12,000
–
–
25
37
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
84
95
2,800
3,000
3,000
3,000
4,500
4,700
6,000
6,000
7,500
–
16
–
–
–
Union .......................................................................
Nonunion .................................................................
77
87
2,800
3,000
3,000
3,000
3,000
4,700
4,500
6,000
–
7,500
23
13
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
96
83
85
83
84
3,000
3,000
2,800
2,400
–
4,000
4,000
3,000
3,000
3,000
5,000
6,000
4,500
3,550
3,550
7,000
6,000
6,000
5,500
5,200
–
10,000
7,500
6,600
6,250
–
17
15
17
16
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
79
100
69
2,400
3,000
2,500
3,000
3,000
3,000
4,000
6,600
4,000
6,600
7,000
4,700
9,400
9,400
–
21
–
31
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
86
92
93
89
81
3,000
3,000
3,000
2,300
2,200
3,000
–
3,000
3,000
3,000
4,500
4,500
4,500
4,000
4,000
6,000
6,000
–
–
5,000
7,500
7,500
–
10,000
8,000
14
–
–
11
19
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 18. Health maintenance organizations: Amount of annual family out-of-pocket maximum,1 private industry workers,
National Compensation Survey, 2014—continued
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
85
78
78
76
84
64
59
87
$2,000
3,000
3,000
3,000
3,000
2,000
–
3,000
$2,300
–
3,400
3,400
3,000
–
3,000
3,000
–
$4,000
6,000
5,400
4,500
3,000
4,000
5,000
$4,400
5,000
6,000
6,000
6,000
5,000
5,100
6,000
–
–
$6,250
6,250
7,000
6,000
9,000
7,000
–
–
22
–
16
36
41
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
92
91
95
77
85
67
3,000
3,000
3,000
2,500
2,800
–
3,550
4,000
3,000
3,000
3,000
3,000
6,000
6,000
5,000
3,400
3,400
4,000
6,600
6,250
7,000
4,700
4,700
4,500
8,700
9,400
7,500
6,000
6,000
6,000
8
9
–
23
15
33
–
–
–
–
–
–
82
79
83
84
86
76
76
77
73
90
92
89
3,000
3,000
3,000
2,800
3,000
–
3,000
3,000
3,000
2,800
4,000
2,800
–
–
–
3,000
3,000
–
3,000
3,000
3,300
3,000
5,000
3,000
5,000
5,000
5,000
4,500
4,500
–
–
–
–
4,500
6,000
3,000
6,000
6,700
6,000
6,000
6,000
10,000
6,000
5,400
6,250
6,000
7,000
4,700
–
–
–
9,400
7,500
10,000
–
7,500
–
7,000
–
6,000
18
–
17
16
14
–
24
23
–
10
8
11
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 18. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum,1 private
industry workers, National Compensation Survey, 2014
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Worker characteristics
All workers ...............................................................
1.9
$268
$0
$226
$0
$584
1.9
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.8
4.2
3.6
1.9
3.4
2.9
4.4
3.3
398
297
332
258
504
532
454
245
0
0
0
584
0
875
0
0
644
659
–
1,294
235
0
703
886
867
406
1,304
1,249
457
182
0
593
782
515
816
137
2,034
–
2,104
194
2.8
4.2
3.6
–
3.4
–
4.4
–
–
–
–
–
–
–
–
–
1.8
4.9
6.7
9.1
5.9
274
89
258
423
473
0
0
736
0
608
899
–
614
1,087
–
752
618
2,576
–
0
0
695
2,801
–
2,803
–
–
6.7
9.1
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.0
2.6
216
0
0
825
446
496
121
898
583
–
2.0
–
–
–
Union .......................................................................
Nonunion .................................................................
5.9
1.8
97
161
63
55
483
341
1,078
129
–
709
5.9
1.8
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.8
3.9
3.7
2.6
3.2
117
0
253
375
–
340
754
0
0
0
1,441
791
539
627
430
795
588
365
720
535
–
1,413
129
441
158
–
3.9
3.7
2.6
3.2
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5.4
(3)
7.4
615
0
360
0
0
0
633
1,896
673
497
0
299
523
0
–
5.4
–
7.4
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
2.0
3.2
4.0
1.8
3.1
141
0
0
88
0
0
–
447
0
97
370
397
506
428
258
0
619
–
–
775
683
1,292
–
1,964
1,975
2.0
–
–
1.8
3.1
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 18. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum,1 private
industry workers, National Compensation Survey, 2014—continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
6.3
6.7
4.9
5.1
4.8
10.7
7.3
4.9
$255
128
0
0
129
588
–
0
$480
–
704
491
0
–
0
55
–
$163
848
659
1,164
0
1,197
1,378
$909
1,264
350
79
0
659
564
0
–
–
$0
316
1,040
0
2,074
908
–
–
4.9
–
4.8
10.7
7.3
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.0
2.3
2.1
3.2
3.7
5.0
0
0
0
309
82
–
591
642
198
0
0
186
1,381
894
544
783
706
880
761
956
1,372
299
332
1,224
2,136
2,652
1,686
286
343
1,048
2.0
2.3
–
3.2
3.7
5.0
–
–
–
–
–
–
4.4
10.3
4.9
3.8
3.8
12.7
7.0
6.8
16.3
2.3
2.0
3.3
141
0
316
500
287
–
0
0
0
206
931
332
–
–
–
182
258
–
0
0
351
0
836
0
557
1,074
710
650
1,070
–
–
–
–
525
880
822
199
559
144
920
268
2,581
337
556
943
544
408
244
–
–
–
2,780
341
0
–
880
–
0
–
0
4.4
–
4.9
3.8
3.8
–
7.0
6.8
–
2.3
2.0
3.3
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered expenses are
fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
3 Less than 0.05.
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms"
at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 19. Outpatient prescription drug benefits:1 Type of coverage, private industry
workers, National Compensation Survey, 2014
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
Generic
drugs
Brand-name
drugs on
formulary
Brand-name
nonformulary
drugs
Mail order
drugs
Worker characteristics
All workers ...............................................................
100
98
84
85
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
98
100
97
98
97
96
98
97
86
88
84
76
85
86
85
80
83
86
80
83
85
83
86
85
100
100
100
100
100
98
96
99
99
98
74
84
84
84
83
85
86
90
91
89
Full time ...................................................................
Part time ..................................................................
100
100
98
97
84
79
85
78
Union .......................................................................
Nonunion .................................................................
100
100
97
98
71
86
87
85
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
96
98
98
98
99
79
88
83
83
85
79
87
85
85
86
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
99
99
99
83
79
86
86
81
88
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
97
97
97
96
100
99
100
98
99
84
84
86
84
86
58
91
83
81
85
85
77
80
100
97
94
91
90
Establishment characteristics
See footnotes at end of table.
Table 19. Outpatient prescription drug benefits:1 Type of coverage, private industry
workers, National Compensation Survey, 2014—continued
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
Generic
drugs
Brand-name
drugs on
formulary
Brand-name
nonformulary
drugs
Mail order
drugs
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Other services ......................................................
100
100
100
100
100
100
100
100
100
100
100
100
98
96
97
98
97
100
100
96
100
96
80
85
87
89
90
80
79
84
80
78
90
86
92
93
81
84
80
76
90
81
87
94
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
97
97
98
98
98
99
84
84
83
84
85
83
81
81
82
88
87
89
100
100
100
100
100
100
100
100
100
100
100
100
100
99
100
99
99
98
100
99
94
94
94
100
100
100
88
96
85
86
84
82
92
80
78
83
81
83
80
86
79
88
83
83
88
81
88
88
87
84
78
87
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug benefits included as part of a
medical plan.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 19. Standard errors for outpatient prescription drug benefits:1 Type of
coverage, private industry workers, National Compensation Survey, 2014
Characteristics
Generic
drugs
Brand-name
drugs on
formulary
Brand-name
nonformulary
drugs
Mail order
drugs
Worker characteristics
All workers ...............................................................
(2)
0.4
1.2
1.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2
( )
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.9
0.2
1.4
0.7
0.6
0.8
0.9
0.8
1.9
1.5
2.9
5.7
1.4
2.1
1.8
2.2
2.0
2.0
2.7
5.6
1.3
2.7
1.3
2.3
(2)
(2)
(2)
(2)
(2)
0.9
1.1
0.6
0.8
0.5
4.7
2.2
2.3
2.6
3.7
3.0
2.8
1.6
1.9
2.4
Full time ...................................................................
Part time ..................................................................
(2)
(2)
0.5
1.7
1.2
3.4
1.1
4.0
Union .......................................................................
Nonunion .................................................................
(2)
(2)
1.1
0.5
4.1
1.2
2.2
1.2
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
(2)
(2)
(2)
(2)
(2)
1.4
0.8
0.5
0.7
0.4
5.1
1.6
1.8
1.9
2.5
5.4
1.2
1.5
1.8
2.5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
(2)
(2)
(2)
0.5
0.6
0.6
2.3
2.9
2.3
2.0
3.2
2.3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.5
0.6
0.7
1.3
(2)
0.9
(2)
0.9
0.5
1.5
1.4
3.2
2.1
4.0
9.4
4.5
2.1
2.2
1.3
2.0
3.8
3.4
(2)
1.9
2.1
2.2
2.6
Establishment characteristics
See footnotes at end of table.
Table 19. Standard errors for outpatient prescription drug benefits:1 Type of
coverage, private industry workers, National Compensation Survey,
2014—continued
Characteristics
Generic
drugs
Brand-name
drugs on
formulary
Brand-name
nonformulary
drugs
Mail order
drugs
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Other services ......................................................
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.1
1.3
4.2
1.4
1.1
1.9
0.3
0.2
2.2
(2)
1.8
3.0
2.7
5.6
2.7
2.3
4.2
6.5
2.5
4.7
9.0
2.5
5.0
2.7
3.8
2.7
3.6
3.3
6.8
2.1
3.9
9.3
2.5
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
(2)
(2)
(2)
(2)
(2)
(2)
0.8
1.3
1.0
0.4
0.4
0.7
1.8
2.5
2.7
1.5
1.8
2.5
2.2
3.0
3.1
1.2
1.6
1.4
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.5
(2)
0.7
0.3
0.6
(2)
0.2
1.7
2.3
2.1
0.2
(2)
0.2
2.4
1.5
2.9
1.6
2.7
2.8
2.0
2.8
3.6
4.0
3.3
7.6
3.2
2.7
8.8
2.4
1.5
2.2
2.2
2.5
1.9
2.8
1.9
3.1
6.9
2.7
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug benefits included as part of a
medical plan.
2 Less than 0.05.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 20. Outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National Compensation
Survey, 2014
(All workers participating in selected outpatient prescription drug plans = 100 percent)
Generic drugs2
Characteristics
Copayment
No
copayment
Brand-name drugs on formulary3
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
Worker characteristics
All workers ...............................................................
78
20
2
$10
77
22
1
$30
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
80
80
80
85
78
76
79
77
18
19
17
13
19
19
19
20
2
1
3
2
3
5
2
3
10
10
10
10
10
10
10
10
77
74
80
85
75
75
75
79
22
25
20
14
23
22
23
19
1
1
1
2
2
3
1
2
30
30
30
30
30
30
30
30
76
77
71
62
81
21
20
27
36
17
2
3
2
2
2
10
10
10
10
10
79
79
71
63
80
18
20
27
34
19
2
1
2
2
1
30
30
30
30
30
Full time ...................................................................
Part time ..................................................................
78
84
20
14
2
2
10
10
76
84
23
14
1
2
30
30
Union .......................................................................
Nonunion .................................................................
74
79
24
19
2
2
10
10
72
77
26
21
1
1
20
30
Average wage within the following categories5:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
80
80
77
77
79
18
17
21
20
20
2
3
2
2
1
10
10
10
10
10
82
78
75
75
75
16
20
24
23
24
2
1
1
1
1
35
30
30
30
30
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
70
79
65
28
19
33
2
3
2
10
10
10
70
80
66
27
17
32
2
3
2
30
30
30
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
81
77
80
77
77
50
80
78
76
17
20
14
21
21
49
15
21
23
2
3
5
1
2
(6)
6
1
1
10
10
10
–
10
10
10
10
10
79
75
82
76
70
48
74
67
60
20
23
16
23
28
51
20
33
40
1
2
2
1
2
(6)
6
(6)
(6)
30
30
30
30
30
35
30
30
30
Establishment characteristics
See footnotes at end of table.
Table 20. Outpatient prescription drug benefits:1 Copayment provisions, private
industry workers, National Compensation Survey, 2014—continued
(All workers participating in selected outpatient prescription drug plans = 100 percent)
Brand-name drugs not on formulary4
Characteristics
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Worker characteristics
All workers ...............................................................
76
23
1
$50
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
75
71
78
82
76
77
76
79
24
27
21
16
23
22
23
20
1
1
1
2
1
1
1
1
50
50
50
50
50
55
50
55
77
80
71
63
80
22
19
27
34
19
1
1
2
3
1
60
50
55
55
50
Full time ...................................................................
Part time ..................................................................
75
84
24
14
1
1
50
50
Union .......................................................................
Nonunion .................................................................
67
77
31
22
2
1
50
50
Average wage within the following categories5:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
83
78
74
73
72
15
21
25
26
27
2
1
1
1
1
55
50
50
50
50
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
69
79
66
29
21
32
2
–
3
55
55
50
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
78
77
81
80
70
66
72
65
57
21
22
19
20
26
–
22
35
43
1
1
–
–
4
–
6
(6)
(6)
50
50
60
50
50
50
50
50
50
Establishment characteristics
See footnotes at end of table.
Table 20. Outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National Compensation
Survey, 2014—continued
(All workers participating in selected outpatient prescription drug plans = 100 percent)
Generic drugs2
Characteristics
Copayment
No
copayment
Brand-name drugs on formulary3
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Other services ......................................................
80
69
88
75
79
87
90
84
86
91
86
20
29
–
23
21
10
10
16
9
–
–
(6)
2
–
1
–
4
6
( )
6
( )
5
–
–
$10
10
10
10
10
10
10
10
10
10
10
61
62
93
74
75
90
90
84
90
85
87
39
38
–
26
25
9
10
16
9
–
–
(6)
(6)
–
1
–
1
6
( )
6
( )
1
–
–
$30
30
35
35
35
30
25
25
30
30
30
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
83
83
84
74
76
70
14
13
15
24
22
28
3
4
1
2
2
2
10
10
10
10
10
10
82
82
82
73
76
68
17
16
18
26
23
31
2
2
1
1
2
1
35
35
30
30
30
25
81
81
81
77
78
79
75
70
70
70
85
86
85
17
17
17
21
21
19
24
25
25
25
13
–
14
2
2
2
1
1
2
2
5
5
5
2
–
1
10
10
10
10
10
10
10
10
10
10
10
10
10
80
80
80
75
76
78
73
73
74
69
80
81
79
19
18
19
24
23
20
26
26
25
29
18
–
19
2
2
2
1
1
2
2
1
1
2
2
–
1
30
30
30
35
35
30
35
30
30
30
30
30
30
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 20. Outpatient prescription drug benefits:1 Copayment provisions, private
industry workers, National Compensation Survey, 2014—continued
(All workers participating in selected outpatient prescription drug plans = 100 percent)
Brand-name drugs not on formulary4
Characteristics
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Other services ......................................................
58
62
94
75
76
84
88
84
84
86
87
42
38
–
24
24
15
11
14
15
–
–
(6)
–
–
1
–
1
1
2
1
–
–
$50
50
60
55
50
50
50
45
50
50
50
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
83
82
84
70
73
65
16
17
16
28
25
33
1
1
( )
2
2
2
60
60
55
50
50
50
76
80
74
75
76
86
70
74
78
67
78
80
77
24
19
25
23
23
–
28
25
22
32
21
–
22
1
1
(6)
2
1
–
2
1
1
2
1
–
1
50
50
50
60
60
50
60
50
50
55
50
50
50
6
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug benefits included as part of a
medical plan.
2 All workers participating in an outpatient prescription drug plan with a generic drug provision equals 100 percent.
3 All workers participating in an outpatient prescription drug plan with a brand-name drug on formulary provision equals 100
percent.
4 All workers participating in an outpatient prescription drug plan with a brand-name drug not on formulary provision equals 100
percent.
5 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
6 Less than 0.5.
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data
do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 20. Standard errors for outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National
Compensation Survey, 2014
Generic drugs
Characteristics
Copayment
No
copayment
Brand-name drugs on formulary
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Worker characteristics
All workers ...............................................................
1.2
1.1
0.4
$0
1.2
1.2
0.2
$0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.7
2.2
2.3
2.8
1.7
2.6
1.9
2.4
1.5
2.0
1.9
2.6
1.6
2.3
1.8
2.2
0.8
0.5
1.4
0.8
0.8
1.3
0.7
0.7
0
0
0
0
0
0
0
0
1.9
2.5
2.3
2.9
1.7
2.8
1.9
2.0
1.8
2.4
2.3
2.7
1.6
2.3
1.9
1.9
0.2
0.5
0.2
0.8
0.5
1.2
0.4
0.6
0
0
0
0
0
5
0
0
4.0
2.8
2.9
4.1
2.7
4.0
2.6
2.9
4.2
2.8
1.2
0.8
0.5
0.7
0.7
0
0
0
0
0
3.1
3.1
2.7
4.0
3.2
3.0
3.1
2.8
4.1
3.3
1.3
0.6
0.5
0.7
0.5
3
0
2
6
0
Full time ...................................................................
Part time ..................................................................
1.2
2.7
1.1
2.1
0.5
1.4
0
1
1.3
2.5
1.2
1.9
0.2
1.2
0
0
Union .......................................................................
Nonunion .................................................................
2.9
1.3
2.8
1.1
1.0
0.5
(2)
0
3.7
1.2
3.6
1.2
0.7
0.3
5
0
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.0
2.2
1.7
1.8
2.3
2.9
2.0
1.5
1.7
2.3
0.9
0.7
0.5
0.7
0.4
0
0
0
0
0
2.8
2.0
1.9
1.7
2.6
2.5
2.0
1.8
1.7
2.6
1.0
0.4
0.4
0.3
0.4
1
0
0
0
0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.8
4.3
3.7
2.7
4.2
3.6
0.6
1.1
0.7
0
0
0
2.6
3.4
3.4
2.6
3.5
3.3
0.6
1.2
0.7
0
1
0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.2
2.0
3.0
2.8
5.6
9.2
4.6
2.0
2.3
1.1
2.0
3.0
2.5
5.2
9.4
4.3
1.9
2.0
0.6
0.5
1.2
0.7
1.4
0.5
3.1
0.4
0.5
0
0
0
–
0
0
0
0
0
1.3
2.2
3.2
2.9
6.0
9.2
5.1
2.9
2.9
1.3
2.1
3.2
2.6
5.7
9.4
5.0
2.8
2.8
0.2
0.4
0.9
0.7
1.4
0.5
3.1
0.2
0.2
0
0
1
0
0
5
0
0
0
Establishment characteristics
See footnotes at end of table.
Table 20. Standard errors for outpatient prescription drug benefits:1 Copayment
provisions, private industry workers, National Compensation Survey,
2014—continued
Brand-name drugs not on formulary
Characteristics
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Worker characteristics
All workers ...............................................................
1.4
1.4
0.3
$0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.2
2.8
2.6
3.3
1.8
2.7
2.3
2.5
2.2
2.8
2.5
2.7
1.9
2.5
2.3
2.5
0.3
0.5
0.3
1.3
0.4
0.8
0.4
0.5
0
1
1
0
4
6
2
5
4.1
3.2
3.0
4.4
3.5
4.1
3.1
3.1
4.5
3.5
0.8
0.7
0.5
0.9
0.1
2
4
6
7
5
Full time ...................................................................
Part time ..................................................................
1.4
2.4
1.4
1.9
0.3
1.3
1
0
Union .......................................................................
Nonunion .................................................................
3.8
1.3
3.8
1.3
0.8
0.3
2
3
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.7
2.1
2.3
2.2
3.1
2.2
2.2
2.3
2.1
3.1
1.2
0.4
0.3
0.4
0.5
7
3
4
0
0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.2
4.8
3.8
3.3
4.8
3.8
0.6
–
0.8
7
4
3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.5
2.2
3.6
2.8
6.9
12.6
5.3
3.4
3.5
1.5
2.1
3.6
2.8
6.6
–
4.8
3.4
3.5
0.3
0.4
–
–
1.7
–
3.0
0.1
0.1
0
0
9
0
0
14
6
0
0
Establishment characteristics
See footnotes at end of table.
Table 20. Standard errors for outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National
Compensation Survey, 2014—continued
Generic drugs
Characteristics
Copayment
No
copayment
Brand-name drugs on formulary
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Other services ......................................................
3.2
4.1
3.7
2.7
3.9
2.5
2.7
3.9
2.8
3.8
5.0
3.2
3.5
–
2.6
3.9
1.7
2.7
3.9
2.0
–
–
0.2
1.3
–
0.8
–
1.8
0.1
0.2
2.1
–
–
$0
0
0
0
0
0
0
0
0
0
0
3.4
3.8
3.4
3.7
4.6
1.6
2.7
3.7
1.9
5.7
5.2
3.4
3.7
–
3.7
4.6
1.5
2.7
3.7
1.8
–
–
0.1
0.1
–
0.6
–
0.4
4
( )
0.1
0.4
–
–
$0
0
8
2
5
0
5
0
0
4
0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.6
2.2
1.9
1.5
1.6
2.9
1.3
1.7
1.9
1.5
1.6
2.9
0.8
1.3
0.4
0.4
0.5
0.7
0
0
0
0
0
0
1.5
1.8
2.4
1.7
1.9
2.8
1.4
1.7
2.4
1.7
1.9
2.8
0.3
0.5
0.3
0.3
0.4
0.4
4
1
0
0
0
6
2.6
5.0
3.1
2.0
2.2
2.4
4.8
2.8
3.6
4.9
2.2
5.3
1.8
2.5
4.3
3.0
2.2
2.3
2.4
5.3
2.1
2.6
3.7
1.9
–
1.7
0.4
1.1
0.4
0.5
0.6
1.3
1.0
1.6
2.1
2.7
0.6
–
0.5
0
0
0
0
0
0
0
0
0
0
0
0
0
2.6
5.1
3.0
1.9
2.6
2.3
3.9
2.4
2.5
5.2
3.0
6.8
2.8
2.5
4.5
2.9
2.0
2.6
2.7
4.3
2.3
2.6
4.7
2.8
–
2.7
0.4
1.1
0.4
0.4
0.4
1.3
0.9
0.4
0.2
1.3
0.6
–
0.5
0
2
1
1
3
1
0
0
0
5
0
1
0
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 20. Standard errors for outpatient prescription drug benefits:1 Copayment
provisions, private industry workers, National Compensation Survey,
2014—continued
Brand-name drugs not on formulary
Characteristics
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Other services ......................................................
4.5
3.9
3.1
4.2
5.7
2.8
3.2
4.2
3.2
6.3
5.5
4.6
3.9
–
4.2
5.7
2.9
3.2
4.2
3.3
–
–
0.2
–
–
0.6
–
0.3
0.1
0.2
0.4
–
–
$0
0
9
9
6
1
0
9
2
10
0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.7
2.0
2.5
2.0
2.0
3.3
1.7
2.0
2.5
1.9
1.9
3.3
0.3
0.4
0.2
0.4
0.5
0.6
3
1
4
0
0
0
3.7
5.1
4.4
2.1
3.3
2.8
3.6
2.7
2.9
5.8
3.1
6.3
3.3
3.7
4.8
4.5
2.2
3.1
–
4.1
2.7
3.0
5.4
2.9
–
3.2
0.3
0.9
0.3
0.5
0.6
–
1.0
0.5
0.2
1.5
0.6
–
0.6
0
0
0
1
0
4
0
4
2
10
1
8
0
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug benefits included as part of a
medical plan.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
4 Less than 0.05.
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.